<prompt> Human: Given how the stock market is going down, I was given advice to re-balance my 401k account and move the money invested in stocks to bonds during the crash of the market, and then re-invest that money back into stocks once the markets begins to rise again. Also, during this period, change my contributions to that specific bond investment. Is this a good strategy?... This is my first post on here, but I feel like is the place to receive different feedback.  <response>: Stop listening to whoever is giving you this advice. Buy and hold. Ive seen countless clients do this and they are wrong 99 of the time. Theyll sell at the bottom and re-buy at the top, losing out on all the gains source: I work at a mutual fund company. 