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Lifts: Pendulum financialeconomicsexplainedus: POSTED:聽 10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:聽 interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)鈥.. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:聽 A RISING TIDE LIFTS ALL BOATS - was the 90鈥瞫 moniker! Hence, the market starts to take off:聽 as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!聽 Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:聽 the 鈥渁verage鈥 technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years鈥 end)聽 Guess what?聽 The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!聽聽 Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).聽 Warren Buffet?聽 Look him up!聽 Treasuries also did extremely well - like one 鈥淭alking Head鈥 has been quoted as saying - 鈥淭here is always a Bull Market somewhere鈥濃︹ And the whole process starts over again from a boom to bust cycle, about every 10 years or so鈥︹he Real Estate Market moves in a boom to bust cycle about every 7 years鈥. MY OPINION 鈥 stay the course with Value-oriented Investing:聽 it works in both up and down markets!聽 A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)鈥.Exchange Traded Funds (ETF鈥檚) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.聽 DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:聽 up, then sideways/down and then up again!聽 Invest for the long term (like 30-50+ years)鈥.YOU WILL BE A WINNER!聽 Be it an investment account or a retirement account or BOTH:聽 like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!聽 Ignore the noise!聽 Ignore the Talking Heads鈥. CURRENT MARKET :聽 MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment 鈥mpeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards鈥.Will it be聽鈥渟omewhat鈥 similar to 2008鈥 all over again? I have no professional opinion nor do I have a crystal ball 鈥 Maybe the FED will engineer a 鈥淪OFT鈥 Landing鈥濃..this time: they never did in the past when 鈥淏ubbles鈥 Greenspan or 鈥淗elicopter Ben鈥 Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT鈥. Flash
Lifts: Pendulum
financialeconomicsexplainedus:
POSTED:聽 10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:聽 interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)鈥.. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:聽 A RISING TIDE LIFTS ALL BOATS - was the 90鈥瞫 moniker!
Hence, the market starts to take off:聽 as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!聽 
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:聽 the 鈥渁verage鈥 technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years鈥 end)聽 Guess what?聽 The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!聽聽 Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).聽 Warren Buffet?聽 Look him up!聽 Treasuries also did extremely well - like one 鈥淭alking Head鈥 has been quoted as saying - 鈥淭here is always a Bull Market somewhere鈥濃︹
And the whole process starts over again from a boom to bust cycle, about every 10 years or so鈥︹he Real Estate Market moves in a boom to bust cycle about every 7 years鈥.
MY OPINION 鈥 stay the course with Value-oriented Investing:聽 it works in both up and down markets!聽 A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)鈥.Exchange Traded Funds (ETF鈥檚) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.聽 DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:聽 up, then sideways/down and then up again!聽 Invest for the long term (like 30-50+ years)鈥.YOU WILL BE A WINNER!聽 Be it an investment account or a retirement account or BOTH:聽 like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!聽 Ignore the noise!聽 Ignore the Talking Heads鈥.
CURRENT MARKET :聽 MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment 鈥mpeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards鈥.Will it be聽鈥渟omewhat鈥 similar to 2008鈥 all over again? 
I have no professional opinion nor do I have a crystal ball 鈥 Maybe the FED will engineer a 鈥淪OFT鈥 Landing鈥濃..this time: they never did in the past when 鈥淏ubbles鈥 Greenspan or 鈥淗elicopter Ben鈥 Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT鈥.
Flash

financialeconomicsexplainedus: POSTED:聽 10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle...

Lifts: Pendulum financialeconomicsexplainedus: POSTED:聽 10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:聽 interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)鈥.. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:聽 A RISING TIDE LIFTS ALL BOATS - was the 90鈥瞫 moniker! Hence, the market starts to take off:聽 as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!聽 Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:聽 the 鈥渁verage鈥 technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years鈥 end)聽 Guess what?聽 The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!聽聽 Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).聽 Warren Buffet?聽 Look him up!聽 Treasuries also did extremely well - like one 鈥淭alking Head鈥 has been quoted as saying - 鈥淭here is always a Bull Market somewhere鈥濃︹ And the whole process starts over again from a boom to bust cycle, about every 10 years or so鈥︹he Real Estate Market moves in a boom to bust cycle about every 7 years鈥. MY OPINION 鈥 stay the course with Value-oriented Investing:聽 it works in both up and down markets!聽 A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)鈥.Exchange Traded Funds (ETF鈥檚) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.聽 DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:聽 up, then sideways/down and then up again!聽 Invest for the long term (like 30-50+ years)鈥.YOU WILL BE A WINNER!聽 Be it an investment account or a retirement account or BOTH:聽 like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!聽 Ignore the noise!聽 Ignore the Talking Heads鈥. CURRENT MARKET :聽 MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment 鈥mpeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards鈥.Will it be聽鈥渟omewhat鈥 similar to 2008鈥 all over again? I have no professional opinion nor do I have a crystal ball 鈥 Maybe the FED will engineer a 鈥淪OFT鈥 Landing鈥濃..this time: they never did in the past when 鈥淏ubbles鈥 Greenspan or 鈥淗elicopter Ben鈥 Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT鈥. Flash
Lifts: Pendulum
financialeconomicsexplainedus:
POSTED:聽 10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:聽 interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)鈥.. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:聽 A RISING TIDE LIFTS ALL BOATS - was the 90鈥瞫 moniker!
Hence, the market starts to take off:聽 as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!聽 
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:聽 the 鈥渁verage鈥 technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years鈥 end)聽 Guess what?聽 The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!聽聽 Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).聽 Warren Buffet?聽 Look him up!聽 Treasuries also did extremely well - like one 鈥淭alking Head鈥 has been quoted as saying - 鈥淭here is always a Bull Market somewhere鈥濃︹
And the whole process starts over again from a boom to bust cycle, about every 10 years or so鈥︹he Real Estate Market moves in a boom to bust cycle about every 7 years鈥.
MY OPINION 鈥 stay the course with Value-oriented Investing:聽 it works in both up and down markets!聽 A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)鈥.Exchange Traded Funds (ETF鈥檚) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.聽 DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:聽 up, then sideways/down and then up again!聽 Invest for the long term (like 30-50+ years)鈥.YOU WILL BE A WINNER!聽 Be it an investment account or a retirement account or BOTH:聽 like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!聽 Ignore the noise!聽 Ignore the Talking Heads鈥.
CURRENT MARKET :聽 MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment 鈥mpeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards鈥.Will it be聽鈥渟omewhat鈥 similar to 2008鈥 all over again? 
I have no professional opinion nor do I have a crystal ball 鈥 Maybe the FED will engineer a 鈥淪OFT鈥 Landing鈥濃..this time: they never did in the past when 鈥淏ubbles鈥 Greenspan or 鈥淗elicopter Ben鈥 Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT鈥.
Flash

financialeconomicsexplainedus: POSTED:聽 10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle...

Lifts: Pendulum financialeconomicsexplainedus: POSTED:聽 10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple! After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:聽 interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)鈥.. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. But Value stocks/Mutual Funds also start to rise:聽 A RISING TIDE LIFTS ALL BOATS - was the 90鈥瞫 moniker! Hence, the market starts to take off:聽 as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!聽 Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:聽 the 鈥渁verage鈥 technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years鈥 end)聽 Guess what?聽 The whole market crashed in April 2000! So from that time to about mid-June 2000 - the market went nowhere!聽聽 Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).聽 Warren Buffet?聽 Look him up!聽 Treasuries also did extremely well - like one 鈥淭alking Head鈥 has been quoted as saying - 鈥淭here is always a Bull Market somewhere鈥濃︹ And the whole process starts over again from a boom to bust cycle, about every 10 years or so鈥︹he Real Estate Market moves in a boom to bust cycle about every 7 years鈥. MY OPINION 鈥 stay the course with Value-oriented Investing:聽 it works in both up and down markets!聽 A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)鈥.Exchange Traded Funds (ETF鈥檚) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.聽 DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE! Guys - the overall stock market climbs in a stair-step fashion:聽 up, then sideways/down and then up again!聽 Invest for the long term (like 30-50+ years)鈥.YOU WILL BE A WINNER!聽 Be it an investment account or a retirement account or BOTH:聽 like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account. Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!聽 Ignore the noise!聽 Ignore the Talking Heads鈥. CURRENT MARKET :聽 MY OPINION Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment 鈥mpeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc. When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards鈥.Will it be聽鈥渟omewhat鈥 similar to 2008鈥 all over again? I have no professional opinion nor do I have a crystal ball 鈥 Maybe the FED will engineer a 鈥淪OFT鈥 Landing鈥濃..this time: they never did in the past when 鈥淏ubbles鈥 Greenspan or 鈥淗elicopter Ben鈥 Bernake were FEDERAL RESERVE CHAIRMEN. THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT鈥. Flash
Lifts: Pendulum
financialeconomicsexplainedus:
POSTED:聽 10/09/2019
The Stock market, as well as the overall economy, moves between a boom and bust cycle - it basically moves between growth and value investing - it is that simple!
After a recession, when the whole stock market cycle, the business cycle and the credit cycle have gone bust:聽 interest rates are low to super low, the Fed is trying to stimulate the economy - Investors start to look at Growth Stocks/ Growth-Oriented Mutual Funds (a growth stock is one that generally averages about 20% growth per year along with the technology sectors like semiconductors and Biotech/Pharmaceuticals)鈥.. Small Cap stocks/Mutual Funds also take off - money is cheap to borrow to fund R&D, marketing expenses, etc. 
But Value stocks/Mutual Funds also start to rise:聽 A RISING TIDE LIFTS ALL BOATS - was the 90鈥瞫 moniker!
Hence, the market starts to take off:聽 as markets start to heat up and the economy starts to OVERHEAT - the Fed starts to raise interests to COOL the market down - like in November 1999 - the Fed had raised the Federal Funds rate way up to a whopping 6.5% to try and cool down the economy and to put a damper on the Dot.com Boom - fueled stock market!聽 
Those who forget history do not recall that the yield curve inverted in 1998; the Federal Funds rate was too high in 1999 (FYI side note:聽 the 鈥渁verage鈥 technology mutual fund in 1999 was up 100%!!!!!!!!!!!! by years鈥 end)聽 Guess what?聽 The whole market crashed in April 2000!
So from that time to about mid-June 2000 - the market went nowhere!聽聽 Value investing and investing in Bonds (like Intermediate and Long-term Treasury Bonds (backed by the full faith of the US government) went up from June 2000 to December 2000 (Berkshire Hathaway A shares went up over 85% that year within 6 months!).聽 Warren Buffet?聽 Look him up!聽 Treasuries also did extremely well - like one 鈥淭alking Head鈥 has been quoted as saying - 鈥淭here is always a Bull Market somewhere鈥濃︹
And the whole process starts over again from a boom to bust cycle, about every 10 years or so鈥︹he Real Estate Market moves in a boom to bust cycle about every 7 years鈥.
MY OPINION 鈥 stay the course with Value-oriented Investing:聽 it works in both up and down markets!聽 A mix of Value Mutual Funds and Treasury Bond Mutual Funds weather ALL storms - OVER THE LONG HAUL - and yes, expect a few hiccups along the way too LOL!)鈥.Exchange Traded Funds (ETF鈥檚) investing will work too - but, I like Mutual Funds - the minimums are $3,000.00 however (at least) to start investing in a SINGLE fund.聽 DO YOUR RESEARCH/DUE DILIGENCE ON THE WEB and also on YOU TUBE!
Guys - the overall stock market climbs in a stair-step fashion:聽 up, then sideways/down and then up again!聽 Invest for the long term (like 30-50+ years)鈥.YOU WILL BE A WINNER!聽 Be it an investment account or a retirement account or BOTH:聽 like a personal investment account and a ROTH IRA or an employer-sponsored 401k Plan along with a personal investment account.
Dollar-Cost Average your contributions to personal investment/ROTH accounts; that is invest the same $ amount each and every month - regardless, whether the market is up or down!聽 Ignore the noise!聽 Ignore the Talking Heads鈥.
CURRENT MARKET :聽 MY OPINION
Me personally, I am accumulating cash and letting my current investment portfolio just ride along with this geo-politically fueled/baseless rate cut economic environment 鈥mpeachment talks, China Trade War escalation, Iran concerns, Saudi Arabia bombings, Japan-South Korea tensions as well as renewed North Korea tension over prior failed talks, the American Farmers plight due to the trade war, negative return/yield rates on European Bonds, Brexit concerns, a dollar that is too strong, etc.
When American companies start to cut back, lay people off, these people can not keep spending to keep GDP/the economy growing, then these people can not pay their mortgages/auto loans/credit cards鈥.Will it be聽鈥渟omewhat鈥 similar to 2008鈥 all over again? 
I have no professional opinion nor do I have a crystal ball 鈥 Maybe the FED will engineer a 鈥淪OFT鈥 Landing鈥濃..this time: they never did in the past when 鈥淏ubbles鈥 Greenspan or 鈥淗elicopter Ben鈥 Bernake were FEDERAL RESERVE CHAIRMEN.
THOSE THAT FORGET HISTORY ARE DOOMED TO REPEAT IT鈥.
Flash

financialeconomicsexplainedus: POSTED:聽 10/09/2019 The Stock market, as well as the overall economy, moves between a boom and bust cycle...

Lifts: photos-of-space: Soyuz lifts off from Vostochny Cosmodrome, Credit: GK Launch Services
Lifts: photos-of-space:

Soyuz lifts off from Vostochny Cosmodrome, Credit: GK Launch Services

photos-of-space: Soyuz lifts off from Vostochny Cosmodrome, Credit: GK Launch Services