The here and now is important, but my 1st pension check is a decade away and I hope to be cashing them for 30+ years

over that timeframe, I’d tend to expect several years of an underperforming market

As to current market, I think it’s overpriced and likely due for a correction once the emotions crash. Which is why I have cash as a portion of my portfolio.

the trend is your friend, but Imalso try and keep the old adage in line of being fearful when others are greedy and greedy when others are fearful