<prompt> Human: If u could have seen the look of horror on my face. My mom is 62 and will be retiring spring next year. She said 70 of her 401k is in an sp fund. I dont know details of her funds. And Im no financial guru...but thats way over the amount for someone her age correct. She then asked me what she should do and I told her thats way too much in stocks for you. She said she will move more over to bonds but she doesnt know how much? Should she move it over now even though the market is down? I dont want to give wrong advice. Im not familiar with 401ks since I dont have one.  <response>: Depending on her retirement goals, this might be a desirable allocation. Some people need the extra return to boost their portfolio. This is especially true if she anticipates living a long time in retirement. If youre truly worried, have her schedule a meeting with a fee-only advisor. You want someone that charges by the hour and not as a percent of assets. 