> it seems more likely that there will be several, which may or may not be timed in my favour. This is why people are advised to move into bonds as they get cl

> it seems more likely that there will be several, which may or may not be timed in my favour. This is why people are advised to move into bonds as they get closer to retirement age. Easier said than done though, if you just saw the stock part of your savings get cut in half. Very tempting to stay in stocks until it comes back.