I know the stock market is fundamentally unpredictable ... but when this latest bear market started, I tried to model its course, and started shifting around my retirement funds accordingly -- although these shifts were small. I made my last shift back in November 2022 and then paused because I saw my model wasn't working. Stocks were bouncing back ( Read more... )

Ooh, I came up with a formula! The formula is designed to automatically invest more in stocks when they are cheap, and less in stocks when they are expensive.

Percentage in stocks = 80% - (Shiller PE Ratio - 10) / 50 -- But with minimum of 20% and maximum of 80%.

Right now = 22.38%, because stocks are nearly as expensive as they've ever been ( Read more... )