If you are feeling uneasy you could always move some of the funds to a closer date Target retirement fund like 2030 or 2045. VG should give you the breakdown of how your funds are diversified and if you want to move to a more conservative approach just pick funds with more bond allocation. In 6/12 months you feel more confident then you can move some of the funds into back or into a diff Target fund with a further out date to allocate more to stocks.
I actually have a similar situation to you, but am 30 and have my funds in a 2030 and 2045. This basically satisfies both my conservative and risk sides.
I like this idea. Hadn't really thought about that.
to my novice eye, they all appear to have about the same amount of volatility
just curious, if its retirement money ,why the short 6-12month time frame for it?
Just a gut feeling.
Getting nervous lately.
Please provide proof of your gut feeling's track record, from a neutral verifiable source, such as the Hulbert Guide to Financial Gut Feelings.
Actually the best reason to go to cash now isnt pessimism but optimisim: the stock market has been pretty good for the past 3-4 years, although sentiment still isn't as optimistic as it was back in 2007, at the last market peak. Some time in the late 1990s, when the stock market was still on a long bull run, Hulbert wrote that about half the financial newsletters he tracked were bearish, half were bullish, and it seemed that was the long term norm. Flipping a coin will also be half bearish, half bullish. And Elaine Garzarelli, who became famous for predicting the October, 1987 crash, hasn't done very well since, except for predicting a bear market in the 1990s -- on the very day of the market bottom for the year. Another person who did the latter was Joe Battaglia, who "changed his mind" a few days later. Both were articulate and highly confident in their words, as is every CNBC guest.
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