<p>Yes, I rode out the 2008 crash with my retirement and college accounts, without making any major changes, and came out fine. Fortunately, I didn’t have to sell much in those down years. Too many people panicked and sold low at that time, and now they are getting ready to buy into the stock market when it is high.</p>
<p>Now is a good time to lock in the past year’s gains by moving college funds out of stocks that have greatly increased in value. This is particularly important if you will need to use the money in the next couple years for college.</p>