It looks like today (Thursday) the S&P-500 will open below where it started 2018. It was just a couple of months ago that “everyone” saw nothing but upside to the stock market and the real estate market … apparently too willing to forget 2006-2008, just 10 years ago.
I don’t know if this is the beginning of the big bear market or another scare. I have learned to stick to my methodology pretty closely and respond to what the market is doing right now, rather than try to predict the future.
We still hold over 50% of our non-speculative accounts in cash because of the increased risk. No need for any changes at this time.