Me: 2 years from retirement.
Wife: 6 years.
we are currently approx. 80/20 mostly large cap growth funds/cash.
Would like to adjust our investments to minimize losses when the crash happens while still staying invested.
I keep reading that the market is at all time highs and that a significant correction is coming soon.
I get that you can't time the market so moving funds out of our large cap growth funds with the intention of moving back into them after the crash is probably not a sound plan?
The only option I see that makes any sense is to move from our large cap grow funds into lower risk/return funds that won't get hit so hard when the crash happens and staying put in those lower risk/return funds.
It seems like the risk/return calculation for bonds is not very good. Ideas to keep our investments growing while reducing risk?