The markets just do not want to go down...yet. 
true. they've been calling for a correction for months.
however, for most people, by the time they decide to pull out it'll be too late.
I'm in the 10 years or less range so I do not want to ride out a correction. 2008 cost me 12%...fek dat.
speak to your advisor, I think you have one right?
being you're retiring in 10 years, I'd say you'd want to pull out funds representing the first 5 years of retirement. Depending on what you have in the markets and what parts of your portfolio you plan to live off first. Ten years (historically) looks to be the largest time it took for funds to recover back to pre-loss numbers. The balance you keep in will have time to recover. That, or look at lowering the risk of some of your portfolio.
Much of the guidance / recommendations has to go with knowing if you’re on track (which I believe you once posted you are) Question is, are you know track only by keeping up with the current risk / returns? Some people want / need the risk to meet their objectives. Some people don’t realize but sometimes they’re in a higher risk than they require since their plan is tracking them above target!
Looking at my morningstar andex chart, it looks like the biggest recovery was 1969 through 1977
If you bought funds in 1969 - the stocks crashed in 1970........ People who invested in 1969 didn't even get back to break even until 1977. The most recent example is actually late 2006, which was a peak, if you invested all your money at that time, you didn't get back to break even until mid 2013. that's 7 years.
