I am 53 and just about every one of my 401ks are in a 2035 or 2040 targeted fund and the rest in Total Stock Market. Most of the 401ks are 80% 2035 or 2040 targeted and 20% total stock market. We will see how this works out. My ROTH is still up about 10% if it gets down to 8%, I will sell 90% and hold in cash. 8% is the usual gain in the market. Do you think this is a good idea for my ROTH or just keep DCAing until the wheels fall off?