 There's so much uncertainty. Ask yourself, you're 62. Can you afford to take a big hit at this point in your life? The answer is probably no. So what can you do? Well, the good news is Mr. Market's giving you a gift. You actually have an opportunity to right the ship. You have an opportunity to right the ship before the next major crash. So many of you want to wait till your stocks are down 50% and then get out. The time to make the shift.