Questions regarding protecting IRAs in a market down turn. I know just about enough about investing to be dangerous so please excuse my ignorance. I have 2 managed IRAs. They are doing well. But I am curious to know what is the best way to protect them should the market move into a long-term down-turn assuming one can act early enough. What is the best way to protect these investment accounts. 1.) Is simply adjusting my risk profile enough? 2.)Is investing 100% in bonds an option; and would this be effective enough to prevent a loss? 3.)Is there a way to move the funds to a "holding account" so as I am not withdrawing them (avoiding fees/taxes) but also not leaving them exposed in the down market? Thanks for the guidance and information.