Tell me what evidence you have that any of the things you mention portend negative stock returns.Bwlonge wrote: ↑Fri Feb 02, 2018 10:17 pmIf you bought a 500 fund at the S&P500 peak in 2000, and you had the intention of holding, you wouldn't start making money on it until 2013.
Tell me why I should put money in now on an insane looking peak, amidst deregulation, growing income inequality, and growing interest rates...
In other words, tell me why I shouldn't take out the few thousand I put in a month ago before it goes red, and put it in a high interest savings account, or pay off the rest of my student loans @ 5.5%.
I feel fine about my retirement account, but the things I mentioned have me thinking maybe this particular set of monies would look better on conservative, guaranteed moves.
There is absolutely consideration for paying off those student loans; as mentioned, 5.5% is a good guaranteed return, but without a fuller picture of your situation we can't tell for sure if that's the best course. (That's for another thread)
Someone who bought in late Feb last year at an "insane looking peak" has done very well in only a short period of time. The point is no one knows the future - what we do know is that trying to market time based on the factors that you specifically bring up (or any others) is losing prospect.
What I can also tell you is that if you're starting to freak out about a 2% decline, and thinking about withdrawing money - particularly when the market is still above levels seen just a few weeks ago - you aren't of a frame of mind to handle any sort of actual decline or bear market. This is nothing. I'd suggest doing a lot of reading and also revisiting your Asset Allocation.