Nancy Tengler in USA Today

Here’s what smart investors do with their 401(k)s when the stock market is hitting highs

When is the best time to plan for a stock sell-off? When the indices are hitting new highs, of course.
Rarely do investors consider defensive moves in their 401(k)s when stocks are rallying, but that is precisely when you should begin thinking about diversifying your investments.
When stocks get squirrely, I recall a comment from my old colleague, Noel, who used to declare, ‘Well, it’s either the warning bell or the dinner bell.’ More often than not, as we have discussed in previous columns, it’s the dinner bell.
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