Hello Steven, Unfortunately, that question is too broad to give a definitive answer, but let me try to help: 1. If your "stocks" are invested in a 401k, IRA, or similar qualified retirement plan, you can begin taking a penalty free distribution when you turn 59 1/2. 2. If your "stocks" are held in a taxable investment account or you have paper certificates, that can be cashed in whenever you would like.
I hope that helps. If you want to be more specific about your situation I would be glad to offer a more detailed response.