<prompt> Human: My portfolio consists of 90 mutual funds and 10 bonds. Im planning to retire in 35 years. I unfortunately left out a large amount of money in my savings account for a few years, and am hoping to invest it now. Ive read about how its optimal to dump this cash into fundsbond or do DCA. With the SP 500 being at an all time high, is it better to do a higher percentage of bonds right now rebalance to 20-30 bonds for now? or is that still considered timing the market and ill advised? Is there anything that should be done differently now that the market is at an all time high, or would that still be considered timing the market?  <response>: Its timing the market to base any of your investment decisions based on recent performance history of any kind.Why do you think the SP 500 being at an all-time high is unusual? Go look at the history of the stock market. It trends upwards over time, so its going to continually set new all-time highs. This is normal, and for some reason people think its news.What you should do is choose an asset allocation thats based on your risk tolerance, and stick with that regardless of market performance. 