Yeah, I'm looking to reduce my risk next month some time. I hit 28% last year and am at 21% this year because I dropped some stock funds in late Feb and missed out some of the March drop, but missed the start of the rebound this summer. Bond markets worry me as the t-bills are so low of a return, effectively negative long term. And, there's too many medium and even large corps going into bankruptcy and so many cities and states scrambling from low tax revenues that you really have to look at what you're buying into.