<prompt> Human: I keep reading about how great index fund are in a bull market but during a down market you take a bigger hit than active funds. Does this concern you considering we are due for major correction?  <response>: No concern.I dont try to time the market, dont try to outsmart the market, just regularly and consistently buy chunks of an index fund. In a bear market, Ill keep contributing to retirement savings. In a bull market, Ill keep contributing to retirement savings.Trying to be cute about it? That way lies madness. 