Welcome!
I’m in a similar position; only I bailed out of most stock funds in July-Aug. ‘07 (after accumulating for about 35 years); but kept only 4% of NW in a large cap stock fund, a lot in Ginne Mae’s, some in a zero coupon bond fund that is now mid-term, some in CDs at 5.35%, a bit too much in money market, some regular savings and some in checking accounts but will start drawing down in September. (I've never been this bearish before!)
My feeling is that it doesn’t matter where the stock market is when I get back in; I plan to chunk small amounts in as if I’m a new investor until I reach my new target allocation, 25% stock funds to start (now age 61). FIRE Calc says 25% in stocks is enough for me.
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