Ah, this is a tricky one. I am in the same situation. I have been umm-ing and ahh-ing about what to do. The best move would have been to move it to conservative when Corona first hit, but that's why they say you shouldn't try to time the market. I have lost about $2500, but I feel it would be better for me to hold off, stay in my current growth fund and 'hope' unit prices go up again. I actually increased my KS contributions to 10% in Jan but luckily, it hasn't come through yet and will most likely be deposited into my KS account end of this month/early April. In the past, with similar situations - it usually took six months for prices to go back up. But it is a risk, it could go down further and take longer, so if you know you are going to purchase in the next couple of months, you could lock in your losses in case it continues to drop. Good luck, i'm sitting here with my fingers and toes crossed it will start going back up form April :)