<prompt> Human: Hello Im 38 just about to be 39Have 95,000 currently in my 401kUsing the most aggressive fundsI make 85,000 a year I contribute 5 with a 5 match.Im hoping in the next year to start stepping up my contributions to a higher percentageThis is with the Roth 401K with my company so these are post tax contributions.Where will I be at age 60?Also since the market is at a all time high Im thinking of putting my funds into something more conservative until there is a major market correction.  <response>: Also since the market is at a all time high Im thinking of putting my funds into something more conservative until there is a major market correction.Ive seen other redditors predict a market downturn in 2013 and 2014. These guys are still waiting for a market correction. It could come in 2016 still, or in 2017, or in 2018. All that time, youd be sitting in cash, hoping to buy at the lowest point, missing out on dividends and capital gains. The market is frequently at all time highs. It should be, because on average the stocks become more and more valuable over time. Look at the SP500 graph, for example. All-time highs in 1987, 1988, 1990, 1992, 1993, 1995, 1996, 1997, 1998, 1999, 2000, 2007, 2013, 2014, 2015, 2016... 