Comment by citrablue

If time and date are unpredictable, what's the use? Suppose you switch to conservative investments now -- say, bonds. You're going to be hit less hard by the recession, but you also will have missed out on gains.

So, unless you believe you can time the market, it doesn't appear like there is much to do except to make sure you have a rainy day fund.

All my other money goes into the system.