Q. Based on your advice to select the Lifecycle fund based on your expected lifespan, rather than retirement age, I am considering the idea of transferring all of my shares from the Lifecycle 2040 to the 2050 fund. Would it better to do this when the stock market is down or up?
A. Of course it will work out better if it is accomplished before the market rises than before it falls. The real question is: How will you know when this is before it has happened? Is the market higher or lower today than it will be tomorrow? The smart play is to move from the wrong investment strategy to the right one as quickly as possible.