Here’s a link to my most recent column: Sell Down to the Sleeping Point. I can’t give specific advice because I don’t know enough about your financial plan — and what other savings you have besides these investments. I do know that you will sleep better if you have some cash in your retirement accounts so you aren’t forced to sell at a loss to take Required Minimum Distributions. You can always keep a portion in a money market mutual fund inside your IRA or retirement account. And your “management firm” should not charge a fee on those risk-free assets.