<prompt> Human: So my 401K retirement is 95 stock, 5 bonds. I am 27 years old so it shouldnt matter anyways but even though general advice is not to time the market, could I just temporarily convert more of my stocks to bonds and convert back later? Market looks pretty high right now, and actually it looks like its due for a correction  <response>: should I time the market even though Im not supposed to time the market?No, you shouldnt. There could be a drop and then again its just as possible that there wont be. Sure, there will be one eventually, but the moves you make now based on a feel could potentially be more damaging in the long-term than just sitting it out. All market fluctuations are a wash on a 10 year horizon. This is why we recommend long held passive investments. 