There was no way back in march of 20 20 for people to know what would happen in july or august. Doctor fowl says that if you're thinking about retiring soon, you can reposition your assets to take some risk off the table and not worry about market volatility. But if you did this, you wouldn't be timing the market. You would simply be reallicating your portfolio based on your own time line to withdrawal. People who really were not at the right ass aplication might have panicked and sold their stocks in march,. If you actually weathered the down turn and you still you didn't sell any stocks, you stayed the course with your strategy. That suggests