Welcome stebbins777! I'm surprised this post has been out there for over 2 hours without a response because we all think we know what we're doing when it comes to allocation. This site is almost entirely about that subject so if you hunt around (use the search feature up top) you will find many theories.
The truth is staying invested (in C fund or other stock funds) for the long term may be the best idea for some. Diversifying a little into bonds may ease some pain during down turns. What we do here is try to do better than the market. It is very tough on a day to day or week to week basis but I think recognizing major trends, up or down, and adjusting your account accordingly can give you better results. You won't beat the market (S&P 500) every year, but overall I believe it can be done, mainly by sidestepping long bear market periods.
Again it is difficult and may not be worth your time to try. But the work can be rewarding if you look at your returns 5, 10 or more years from now.
Thanks for joining us!
Tom
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