Know your own risk level and invest accordingly. If you want to sleep at night, we suggest a diversified portfolio aimed at your own risk level. These are important benefits provided to you by the government. Do your retirement investing in one or both of these plans. Remain invested - Remain invested in the market.
Nothing is worse than trying to time the market.
Numerous psychological studies have shown that humans are not wired to invest successfully this way. We naturally gravitate toward the popular opinion and we often overstate our ability to predict the future. In short, we are overconfident investors . Instead, remain invested in the market. Don't borrow from your retirement plans if possible.