Rebalancing retirement money right now

[cjeanette]

When you sell and buy it is sort of a wash as far as worrying about timing and volatility.

[niq]

If your plan is to move the hodgepodge into target funds or boring* index funds and let them sit there for decades, don't fret too much about whether you do it now or next week. Just do it and then don't watch the market for at least a week.

*boring is good here!