re: What goes up, must come down…???

You seem to have a peculiar thing to worried about. I am also retired and you and I have survived a downturn and have lived long enough to participate in the upturn. Congratulations for not selling your investments when their values dropped.

You should be able to get some good advice on obtaining a balanced portfolio tailored to your situation with little effort or cost.

Do make certain that you do not have to take an RMD (required minimum distribution) from the 401K.

I believe the most important change in American finance is the 25 year period by which we took control of our finances and transferred ourselves to active investors from passive savers.