I agree with the other posters that at age 35 you probably don't need to be keeping part of your retirement savings in cash. Also think that working the Bear/Bull market angle, adjusting your portfolio to match, won't serve you well with your investment horizon. Better to keep your eyes on the prize and take comfort that during bear markets, your regular retirement contributions (because you'll be making those, too, right?) will be buying you more shares of those high-powered growth stocks & funds you're investing in. I'm 37, started 401(k) as soon as my first job out of college would let me though've never yet maxed it out, and am just now starting to see the compounding curve take off. It's working! And that's after a couple of years of watching the account balance trending DOWN even with payroll contributions, because the market was bobbling. I guess the point is not to get too defensive with the IRA in bear markets; it will come around as long as you've chosen your investments Foolishly. (I know, how helpful is that?)Sounds like you're pretty committed to individual stocks and an MI approach. But here's a good article on lazy portfolios that may be useful:http://www.marketwatch.com/news/story/lazy-portfolios-beat-benchmarks-again/story.aspx?guid=%7BDABA48D1%2D0DDA%2D43F7%2D8700%2D275FEF592BD1%7D&dist=Good luck,
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