<prompt> Human: I have been contributing to a vanguard 2045 retirement fund VTIVX in my Roth IRA for about ten years. I am thinking of moving it all into a much more conservative fund or even a money market to prevent loses during a correction. I would like to continue with future contributions into the 2045 but I want to protect what I have already. Am I way off base in my thinking? Any thoughts appreciated.  <response>: If timing the market were easy enough to do then dont you think the folks that get paid alot of money to manage billions of dollars would be doing it?Your 30 years from retirement. The worst 30 year stretch of the SP in 30 years which included the depression was still nearly an 8 return. Just weather any storms and keep contributing and youll be fine. 