Wait!! You don’t need to take a withdrawal from your IRA (I presume you are writing about an IRA) to have safety. Just ask for it to be moved to a money market fund INSIDE your IRA.
And, by the way, if your acount is still in your old 40l(k) plan, now is the time to do a ROLLOVER to Fidelity or Vanguard because investment choices inside 40l(k) plans are designed for growth, not safety. But you NEVER want to take a check. Just call Fidelity or Vanguard (1-800-FIDELTY or 1-800 VANGUARD and ask for an iRA rollover specialist. They will handle the paperwork for your rollover — and you can tell them to put it in the safest money market fund (although you should leave about 25% in the stock market for thelong run!)