My prediction for 2007 was a high chance of a down year for stocks, so for this year I have about 2/3 of my portfolio in stocks and 1/3 in a money market account. It takes about 1 1/2 days to move around any 401k funds I have, so the best time to lock in gains is after a nice rise before a market correction (or the start of a bear market). So often after a one-day drop, there is a nice rise the next day, so I just make prediction for an entire year and stick with that. Even with the recent drop, the stock portion of my portfolio is up a nice amount since January 1 :cheerleader: