If you need the return in the next 6 months that’s not timing the market and putting it in equities would be bad even if you expected equities to out perform bo

If you need the return in the next 6 months that’s not timing the market and putting it in equities would be bad even if you expected equities to out perform bonds. Having your portfolio invested in different things based on investment horizon is a normal part of portfolio design. Timing the market is changing that distribution based on your opinion of what the markets will do.