Markets are at such a high and everyone talking about a correction for a while. Would it be better therefore to invest now in robo advisory plans that have 80% bonds and 20% equity? Switch later?

Time in market beats timing the market. always remember that. Nasdaq100 and s&p500 are constantly in their all time high. The longer you wait, the more you're missing out!

All valid points and good advice.. Well taken.

If you're below 40, there's literally no point in having any exposure to bonds. In fact, given how low yields are, it's more dangerous to be invested in bonds over the long term.

If yields move up from here and you've got a substantial amount of money in bonds, you're going to get crushed. That "safety" that bonds offer in this era is a mirage - in the March 2020 Covid-19 crash bonds fell just as hard as stocks.

With stocks, at least you've got exposure to real businesses and their cash flows. Over the long, long term, stocks have always outperformed bonds. As for timing, buying at an all-time high shouldn't concern you if your investing time horizon is longer than three years.

Forever there are people predicting a crash and eventually one will surely happen. It's a catchy headline that always attracts eyeballs. Beware the clickbait.
But in the meanwhile, the market continues to grow because companies contiunue to produce goods and services that people consume.​​​