You are pretty far over my head. I really don't know what it means to not retest the lows or if it retests and breaks. Everyone around me is saying "Don't look at your TSP account. The market always comes back up and as long as you have a portfolio that matches your risk (i.e. mostly cash when you are about to start withdrawing from it) you should just let it ride until then." I don't like just leaving it there when all signs are saying it is going down so I parked it in G and waited for a while. I put it back in when I thought it had gone down a good chunk and, if I just left it there and didn't look back, I would be better off than when I parked it. That is my plan if I jump in and the market keeps going down. I am going to leave it there until it comes back up. It will eat at me perhaps but all the experts say buy and hold is the safe bet for long term investing. But I feel like in a market that is bouncig this eratically and down this far, it is worth a try to time it if possible and make some money. If I guess wrong - I will follow the sheep and hold. I don't know, just sounds like it might work to me.