I've been thinking about taking a large percentage of my retirement portfolio and putting it in a Stable Value Fund. I've had a good run in the S&P but I get a sense that the music will stop soon and that this bull market will end. I am not adhering to the traditional stock/bond/cash diversification and have been heavy into the S&P. I understand the risk associated this approach and that's why I'm thinking about taking my gains and seeking refuge in a Stable Value Fund. I recognize the folly of trying to "time" the market, but I wanted to see what the group had to say. The dominant school of retirement savings seems to say: save regularly and don't worry about the fluctuations because you don't need the money for decades. I'm about to turn 30. The second school, which seems to be in the minority, advocates more active management. Like everyone else, I am scarred from the 2008 debacle and how long my retirement portfolio took to recoup its pre-crash value.With debt ceiling talks resurfacing in September, no federal budget again, and, I think, the potential for another U.S. credit downgrade there's no shortage of risk events that could trigger a downturn. That's just on the domestic front. You have your pick of the litter with foreign policy crises. In reality, the catalyst for the downturn will probably be something that's not currently on the radar.