For the past 35+ years, I simply ensured that at least 10% of my income (including my company's 401k match) was going into my 401k plan. For most of that time, I had about 80% of it allocated to stocks. Basically S&P 500 index type funds and more recently what is called target funds (where your allocation between stocks and safer funds changes as you approach your target retirement age).
I never messed with it. I just left it alone. I never tried "timing" the market. I didn't panic during "crashes" like we saw in 1987, 2000 and 2007/2008. In fact, during those times, I didn't change a thing, realizing that my bi-weekly contributions were now buying stocks at a much lower price (dollar cost averaging) and eventually I rode the market back up in much better shape than I was before.
I'm no Warren Buffet. I'm not even smart about investing. In fact, I know very little how it all works. So I never broke a sweat when the markets went down, I never lost sleep when my 401k balance dropped 30% or so back in 2007/2008 - I just let it ride. Never once contemplated taking my money out of the stock market. And now as I approach my target retirement age, it's sitting nicely in seven figures.
Slow and steady is the way to go. Don't overthink it.
So you reach your target retirement age and the "safe" funds are all (presumably) bonds.
Except your safe bonds are getting killed by inflation.
What now?
Congratulations, and good for you.
We all play the hands we are dealt.
Not all of them are good hands.
Start young, save the max with respect to employer matching, and don’t pretend you can outfox the market. When you hit retirement, that’s the best way to be in good shape.