Please carefully consider the long-term implications to your investments before making any fund exchanges, regardless of market conditions. Financial advisers will generally remind clients that they “lock in their losses” when they sell after a market drop. In essence, an investor may inadvertently find himself selling low and buying high when he attempts to follow the market to avoid short-term losses or capitalize on short-term gains rather than following a more disciplined, long-term investment approach.

While the stock market can be volatile at times, no one can predict with certainty what the market will do in the future. The key to weathering any economic storm is to be properly diversified and focus on your long-term goals. Your goals probably don’t change significantly in the short-term, so your investment strategy usually shouldn’t either.