<prompt> Human: NOTE: Im asking on behalf of my SO. I dont know the details of her case offhand but I can ask nor do I have a solid understanding of how retirement funds work.Basically, she suspects that there will be another massive stock market crash within the next few years. Her TSP is currently in a higher risk fund due to her age but she is considering moving it to a lower risk fund until after the crash happens and the market starts to recover before moving it back to higher risk again. Does this seem like a reasonable strategy given that she wont be retiring for at least another 20 years or is she better off just leaving it where it is?  <response>: No.Time in market is superior to trying to time the market. 