Are we heading towards another 2008 type downturn?

Gah damn, you invest 100% in world funds?

I worry about declining oil prices, but I'm hoping that such declining prices will spur increased demand, keeping prices from falling too far.

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Any advice on how to reallocate my portfolio? Or should I just sit back and relax?

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I had a meeting with my Advisor this morning...im down 9%. He said not to worry. He has never steered me wrong before so im sticking with that.

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Mid/small-cap stocks 17% International stocks 36%

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If you are going to be aggressive, you gotta have the stomach to let it ride. Otherwise, you fall in the trap of buying the highs and selling the lows. Which is why most investors trail the index funds.

How the hell is anyone down for the year?

Let it wait two years so I can have more money to invest

* EXTREMELY little chance of 2008 type downturn.
-the economy was over leveraged very badly and an adjustment had to happen
- a spike in commodity prices (food & fuel) reduced reduced household income dramatically causing default on excess debt
- nothing like the above is going on now, just a normal stock market 'correction'

* stay 100% invested always and you'll beat the market

* virtually everyone would agree you're far too heavy in international and should reallocate. also, I don't know how old you are, but if under 55, you should have nothing in bonds which are overall a bad investment and terrible now due to low rates and inevitability of rate increases which will cause you to lose principal value

most experienced investors who don't have a conflict of interest would STRONGLY suggest you get in a full market ETF and forget about it. you'll beat 70-90% of professional money managers over the long haul.

VSTMX: vanguard total market is an excellent choice with bare minimum expenses and complete diversification.

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false, I like the allocation towards international. As long as he's not within a 5 yr window till retirement.

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I hope you're not licensed
International is extremely risky and 36% is far too much for 401k by any measure I've seen. Commodity, dollar, and political risks are extreme in international markets, ESPECIALLY to an inexperienced investor.

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Also, false. As argued before and it's amazing how you STRONGLY suggest this given the fact that your not licensed at all (at least I hope not). Also, he's referring to his 401k which I seriously doubt has the ability to invest in ETF's.

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are you a licensed broker or advisor? if yes, what fees do you get for advising him to put 36% in international

btw, which part is false? please be specific and provide factual data.

one of many links showing how expensive bad advise is

Virtually every unbiased (not commission paid) will advise small or inexperienced investors to put their money in a broad market etf or LOW COST broad based mutual fund (if etf's are not available) and forget it. Paying someone a 1% (or other) management fee to find investments that charge even more fees gets beat by the market in 90%+ cases. It's a fact, not my opinion.

I can provide a thousand links with that view, how about you post links to unbiased advisers who advise paying management fees or buying expensive mutual funds to get lower returns (which they do over the long term).

I you've got the facts, post 'em....I already have many times.

and yes, I am amazing...thanks

Wow, rough morning.

To quote one of the great musicals of our time, "Y'all are brutalizing me"