<prompt> Human: As some on here have pointed out, the stock market is currently quite expensive. Im approaching 40 and trying to get caught up dont let your children become academics, so Im 100 in stock for my retirement savings.Do people have thoughts about whether to make a pronounced shift to safer options at a moment in which the stock market seems certain to contract significantly?Yes I know that this would be timing the market, but the ratios are there, and they strongly imply a large-ish contraction is around the corner. I dont want to be an idiot and ignore warning signs.TLDR: expensive stock market; move to safer options in anticipation of a contraction, or just keep on buying in?  <response>: Market timing is a fools errand; if you are risk intolerant due to your investment horizon then increase your allocation of bonds or other low risk investments. 