<prompt> Human: Am 25. Should I be putting excess into IRA w Vanguards 2065 Target Retirement Fund if I think a stock market crash is likely to occur? I think many stocks are still overvalued even after the February correction. Better off choosing a different fund now? Any feesrestrictions for transferring between Vanguard funds?  <response>: Were both 25. What does it matter if the market crashes ? Its an IRA ups and downs are expected 