<prompt> Human: Heres my current allocation which was a pre-selected moderate blend between aggressive and conservative. Its been averaging about 10 over the last few years with this allocation.x200B;x200B;Im 35 years old. I do have concerns about a bear market soon. Any advice as to which funds I could select here and possibly on the timing to do it? Would I be better off not trying to mess around and just ride it out with my current allocations? Thank you for any advice.x200B;x200B;  <response>: Youre 35... youve lived through the stock market crash of 87, the dot com collapse, the real estate bubble and other smaller falls... you have 20-30 years of working and investing to go.Unless you know the day its going to collapse youre probably better off weathering the storm 