<prompt> Human: Hello, I am 29, fairly new to investing retirement saving 2 years, and I am considering moving my investments 401k, Roth and traditional IRAs from standard target retirement index funds for example: FID FRDM INDX 2050 W to something like FSBAX, a short-term treasury bond index fund from Fidelity. The targeted index funds are currently at around -8 YTD whereas FSBAX is at 0.7 YTD, so at least it is not loosing money even if not beating inflation. I understand that trying to time the market is usually a foolish move but it seems that at least riding out the daily downward spiral of the global markets may be a good idea until the markets stabilize. On the other hand, is sticking to the target index funds in a way buying low and better in a long run? I guess my plan would be to convert into the treasury bond index fund and wait until we hear less about the daily declines in the market and then go back to the target index funds. What are the major pros and cons of such a move and would anyone recommend it at this point? Thanks for your input.  <response>: I understand that trying to time the market is usually a foolish move... My plan would be to convert into the treasury bond index fund and wait until we hear less about the daily declines in the market and then go back to the target index funds.This is the very definition of timing the markets. My advice to you: change nothing. So long as your portfolio is diverisifed and it sounds like yours is and you are investing for the long-term, you have plenty of time to ride it out. Downturns are completely normal. This is what markets do. 