that is why you also have to monitor the stocks and bonds market. don't just rely on the fund managers as they can not park your money in another fund type even if they wanted to. if you need to move it, or even cash it in and park it in a time deposit account, you will need to do it yourself.
i lost close to $40k in 2009 from my US mutual fund, just because i forgot my damned PIN and it took me a month to get a new one. kaya local na lang ako ngayon kahit na tumaas pa ang US stocks market. at least e madali lang puntahan mag-withdraw in case sh!t happens again.





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