Markets and bubbles, a thread for investors.

[Jackalope]

I was under the impression that you worked for an investment firm. If yes, what are they telling you? If no, pardon my error.

My investment guy expects a correction of between 20% to 30% happening during the Trump years (next 3). I'm sitting about the same as you, 65/25/10. Equities are spread thru 30 different companies.

I work for a financial services firm, not an investment firm..

That's about the correction I'm expecting, more or less.

[Jackalope]

My guy was talking about over valuation and a reset prior to Trump.

If we're going by historic valuations, it's been overvalued for some time. The past year has only made it more so.

---

@Aegon a crash as you graduation actually represents a good buying opportunity, and a good time to start retirement savings. Buy low, baby. You've got a long ways to go. I've been through more than one major correction. I'd rather not have one happen this close to retirement.

---

@Brian37 equities are things such as stocks that represent equity ownership of a publicly-traded company, as opposed to debt instrumenta like bonds that are more akin to loans to such an entity (or to a government). There's also various derivatives that are more complicated.

An annuity could theoretically invest in either but they basically are an investment you can purchase that provides a future income stream.

[Tiberius]

I have pondered putting more into international index funds. Domestic index funds have had a historic year, but I fear that won't last, and the international market may be more stable.

I think currently I have ~65% in domestic index funds, ~27% in international, and the rest in bonds.

However I'm right at the start of my retirement savings, so a correction isn't as big a loss as it would be later on, but that's why I intend to shift more to bonds in the long run.