<prompt> Human: I am a novice when it comes to investing, but I do have 401k, Roth Traditional IRA money invested into a few mutual funds. My recent concern has been about all the talks regarding stock bond market corrections or crashes, and how to protect the money Ive already made from the recent bull market.I am rather stock-heavy 90 and will be re-balancing my portfolio, but I was considering moving more money into bonds than stocks temporarily to protect what Ive gained. However, from what Ive read, bonds are overbought and may experience problems in the near term as well.What are my options for these retirement accounts if I dont want to lose what Ive gained? I cant believe it would be to move it into a money market account, but I cant seem to find suggestions which take both the potential stock bond market problems into account.Looking into hearing some thoughts on this; thanks.Assistant: If youre close to retirement over 50 you should NOT be in stocks by 90. If youre under 35 most of Reddit then who cares if the stocks crash the only thing to worry about is if stocks are higher in the future. If stocks are the same price or lower in 35 years then were fucked and the robots have already taken over.Human: I, for one, will welcome our new robot overlords.You have a point, though. Im 40 years or so until retirement, Im going to need to survive a few crashes to make it there.  <response>: I started saving for retirement when I was 18. Im in my early 30s now and have already been through three crashes. Its a harrowing experience, but you should not be changing your allocation based on your guesses about the current market situation. When it happens, just remind yourself its like the stocks are on sale and you get to buy more with your contributionsrebalancing.Determine your risk tolerance, design a portfolio, and stick with it. The bumps seems really big when youre first starting out, I know. But if you try to do something clever to avoid potential downside, youre just as likely to end up missing the upside and come out behind. 