I sold 5% bond to buy VTI on Wednesday, added additional 5% on Tuesday, will do another 5% today if market keeps tanking.

(My post was removed by mods from other *investing/finanace* subreddits. Re-post it here as I think the audience here is more receptive.)

I think one less talked about reason to hold at least some bond in your retirement portfolio is to be able to buy the dip in times like this when you *have a long time horizon of 15+ years*.

Yes there is uncertainly in the short term but chance is also high that market will recover in the next year. If it does not, well you will sell bond to buy stock as part of your annual/semi-annual rebalance anyway.

Is this market timing? Oh yes. But is also a bit of common sense to buy the dip. BTW I will not risk my emergency fund or play with it in taxable accounts.

What do you think?