<prompt> Human: So there seems to be more and more articles about a downturn in the economy looming ahead...market has been doing great but in the even the market does seem to be turning, what can be done with your funds?If a person has IRA401ks, should they transfer the money out into bonds? or maybe a fraction of their allocations? When would a person want to do this?  <response>: Yep, I noticed a lot of the same articles...in 2011, 2012, 2013, 2014, 2015, and 2016. Anyone listening to them lost a ton of money. 