Personal Finance and Investing

I am 8 years of retirement and ACUTELY aware of the sequence of returns risk at the the beginning of return (a few years before and after). A massive crash a couple years before retirement wouldn't be great, but is a real risk/.

Not sure how Bitcoin will affect the market itself. It's still mostly a game of early adopters and late-to-the market hopefuls. I don;t have any money there, so I pretty much ignore it.

I think the market is due for a pull back, but I am NOT convinced a giant collapse is coming. A LOT of modern investors are "just keep buying" types (like me). Even if some large investors bail for a bit, I think bargain hunters will force prices back up over a period of a couple years.

I DO expect a recession. And probably a surge in inflation (depending on how insane Trump gets with tariffs and Government cuts). That could trigger a bear market for a bit. But again, I do think the trend will remain up and to the right.