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Hello, I a new here and my name is Tim. I wanted to get some opinions about possible ways to handle Lifecycle Funds in retirement accounts.

I moved my account funds to one of the Lifecycle Funds about two years ago. These were new options recently added to our investment options and it seemed a good idea.

Normally, they suggest that you select an investment mix based upon the date of your anticipated retirement. I listened to that but I viewed it a little differently and chose one of the funds based upon the investment risk I was willing to live with regardless of the date I expected to retire. This seemed a good rational because from what I've read it seems these funds are very conservative in their investment strategies.

What I am questioning right now is whether it is a good idea to change to one of the less risky Lifecycle Funds for the time being since there seems to be a lot of volatility in the markets right now. I know market timing is usually a bad investment strategy and that the short term is meaningless. But with the markets seemingly making significant corrections lately I am questioning whether I wouldn't be making some adjustments today to my investment ratios if I was investing in individual funds.

Does it make sense to downgrade the amount of risk I am willing to take in the short, one to two year term?
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