Talk to a Vanguard rep. I am sure they will suggest that you take/keep a diversified balanced approach unless you have a compelling cash need. They will also be able to take into account factors you have not mentioned, such as your age, investment horizon, risk comfort level, cash needs (for RMD or other), etc. Timing the market is a fool’s game (my opinion). However you are likely to see a number of different views here - read them all with a grain of salt.
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