Someone already answered this question earlier.. But once you make an IFT and move your money, you will lock in a gain or loss depending on what you bought in for. Everyone has their own risk factor. You just have to figure out what yours is. If you have a lot of time left till retirement, you may want to consider riding it out, thus not locking in a loss. If you are getting ready to retire, you may want to move it to safety to protect yourself. But again this is decided on your own risk tolerance.
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