Seeing that the S&P 500 is near record highs does it make sense to tune down the risk levels if you are using roboadvisers at this moment?

The most important question in this forum i shall say.

I think at all times you should keep 30% of your overall wealth in cash?

For times where the stock gets way undervalued and being nonsensical thats when you deploy.

I regretted this mistake in march where i only have 10% in cash. and i only could deploy 10% during that crash.

Now that I learned my lesson, I keep 30% at the very least.

I am pretty heavy on cash at the moment, just buying constantly monthly because in my personal opinion the stocks are overvalued as a whole. (Not travel stocks of course)

A gd robo has definitely adjusted themselves

according to your risk appetite (esp during bad time) unless u opted for no fine-tuning/adjustments at all

Personally I do DCA with FSMONE, buying iShares S&P 500 ETF consistently every month and it has given me fantastic results so far. Like what others have mentioned. S&P 500 is a growth ETF and it will only keep going higher. How else does it maintain an annualised return of 8% over a 30 year period. I recommend sticking to the course and always stay invested. Some of my friends are skeptical that the S&P 500 is going to crash, however we must understand that the stock market is not indicative of the economy or the health of the country. As long as you have emergency cash lying around, solid insurance plan and a retirement plan. You have nothing to worry about.

Doing it for 23 years now, I'd suggest to never change a strategy that evolved and works. just needs lots of patience, then better than most buy&sell&flip traders.

just my own idea

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