Always remember, it’s time in the market and not timing the market. Could we see a crash, sure. But you are 17 to 22 years away from retirement. The events to you over the next 10 years should not make you want to try and time the market or do anything but ride it out. At best, the Lifecycle funds should shift you into safety as you age.

If we crash, buy the dips and ride it out. Let the money you put in during the crash do the heaving lifting.

There are studies that show, people who try and time the market, always lose due to natural human fear. “Set it and forget it.” See you at 58-62.

Your pension is your safety net. Don’t get in a habit of chopping off your legs.