[kronks]

To anyone reading, don’t do this.

This is the ONE thing you aren’t supposed to do as a passive investor. A play like this will cause you to lose upside almost always, and some people never get back in and miss out on almost a lifetime of growth.

THE MARKETS ARE NOT RATIONAL.

[criddell]

My concern is shifting from maximizing upside to minimizing downside because I'm only about 10-12 years from retirement.

[unethical_ban]

The laziest safe thing to do is put money into a target fund that is managed. So you could look for "Target 2040" and in theory, they change the asset mix as it approaches that date.