There's no hurry. You really want to be diversified by the time you start taking money out rather than putting it in (ultimately retirement). Unless we've started a period unprecedented even during the decades following the crash of '29, stocks should outperform bonds or cash over a 20 year period, so you shouldn't worry about being overly represented in stock funds. I'm now looking at trying to reach my desired retirement allocations in about 10-12 years, which means wanting to focus outside stocks from here on, but I'm still not going to make any ill-advised moves just for asset allocation.Thanks. This helps a lot. I just started investing a couple of years ago and it's still a learning process (as I'm sure it will always be.) This view, along with Charlie's "patience, the economy will recover" is what I needed to hear, since I'm not 'real' savvy about bonds. It makes sense and gives me a little better idea of how I want to contribute new monies.Thanks again, and Happy Holidays.Caat
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