Inward1000- i am in the same boat as you, and have been very lucky navigating through the market the past 10 years. The market seems very different to me right now, very unpredictable to me, and volatility is behaving very strangely. As both stocks and bonds seem over valued to me right now, We may be in a market situation where stocks and bonds may both fall in value at the same time. I am seriously considering establishing a modified "Permanent Portfolio" to see me through. It may seem laughable at first, but historically has produced 9% returns throught the past 40 years, with less volatility.