I guess this is a little early hehe. It came to my mind the other day when I was planning my ROTH and 401k. In April, both my ROTH and 401k were at very nice levels. Then in May came the bloodbath and both accounts have only recently recovered to previous levels set in April. So the options here are: 1) Sell off all funds at end of April and go to cash, come back in July-August period. OR 2) Rebalance in April (I have a balance of small, med, large caps and foreign funds) and then rebalance again in September) 3) Leave as is 4) Buy into a balanced index fund between May-September 5) Forget about the aggressive funds and just use a balanced stock-bonds fund like the Wellington from here until I die. Thoughts???