HLS I don’t know why you bother to state a litany of facts that are rather obvious like you can lose money and there is no guarantee in the market. I am not debating this, I fully agree with you.
The question is whether or not you bother to TIME your 401k. There is NO guarantee his bond funds arent going to eat shit if the market continues at the levels we’re at. Fixed income is not a lot safer if more companies fail or if a lot more companies get downgraded. No one is talkin guarantee but since you and I don’t have a crystal ball, as DaCounselor pointed out, the market does go UP and DOWN. Trying to time the UP And DOWN has been proven not to work very well for MOST of us over a LONG time horizon. If you are <10 years from retirement, you shoulda been out of equities to begin with.
