That's where my 401K and pension (IRA) is. I can't touch them without incurring penalties. I get out just enough to get by on and that's it. Remove the penalties and I'll bust a move.
I hear you as I am almost ready to retire. For years I was fully invested and risked it all. No more. Got only 25% left in stocks. It’s a personal thing and I just sleep better. The harder thing for me is what to do with the other 75%. With interest rates nowhere to go but up the bond funds don’t look so good although I do dabble in some bond funds. got most of it in cash unfortunately.