<prompt> Human: Im 36 years old, so Im far from retirement. But considering I took absolutely no action during the 2008 recession, Id like to try do to something to avoid losing a chunk of my 401k ifwhen the next recession hits. My 401k portfolio is currently 90 equity vs. 10 bonds. To break it down a little further...- 55 large cap funds- 35 international funds- 10 bondsI do have an IRA, so this isnt my only retirement savings. Since I just set it and forget it with the 401k, I was thinking why not just increase the share of bonds in this mix? Any thoughts?  <response>: You are 30 years away from retirement so you do nothing. If you move on a down turn you end up losing in the long run. Just hold on to your position. As you get near retirement you move your funds to more conservative investments like bonds. My guess is right now you have a majority of stocks for rapid growth. 