<prompt> Human: I just read a doomsday article saying the market is overvalued and past due for a major correction, and recommended getting out of stocks entirely. Another investor wrote that he is going 25 in cash to hold for the time being. I know no one really knows for sure but assuming for a moment that the bears are right, does it make sense to sell high and rebalance the portfolio and move 25 or so into a cash account? Or do the funds generally do that kind of thing for you from within the fund? I know there would be a risk of missing some gains but Im not sure if the sell high advice applies to managed funds like in 401Ks. Im 47 and only have 210K in the 401K--I know Im behind and scared to lose it. I recognize I may be overthinking it.  <response>: That article is written literally every single week of every year. You cant afford to try and time the market. Youd need to be correct twice or else youre even further behind. 