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So, at what point are you going to reverse that decision, or what do you think are currently good investments for a retirement beyond 20 years from now? Especi

• nostrademons 18y ago
  I think the market is pretty close to fairly-valued now, by conventional valuation measures. Maybe still a little overpriced, but you can't call the exact bottom. I'm waiting to put money in because I don't yet have a job, and so may need that cash to fund another startup (there's that luck aspect again; had I not been starting a startup last year, I likely would've had way more in the market). But if I had a normal employment situation, I'd be gradually money into stocks, towards a more normal asset allocation. As for a retirement 20 years out - I wouldn't even try to predict that. I haven't touched my Roth IRA this crisis, nor do I count it in overall returns (haven't even looked, really). The one thing I would say is to have some international exposure. Prices rise or fall based on how reality compares to the market's expectations, and I think it's unlikely that America in 20+ years will have the hegemonic position it does now.