We are bombarded with information from sources such as the Federal Reserve, television analysts, brokerage firm analysts, economists’ projections, newspapers, junk mail, neighbors, war reporters, etc. Making investment decisions without a plan or methodology is truly a gamble.
I have mentioned the long-term trends of the stock market before. These long-term up and down moves are trends based upon valuations as opposed to price; such trends are called secular markets. This is "What It Is." Banks can analyze their customers' financials at any time; therefore, they can often see trouble coming before others become aware. The stock charts show many three-year lows. Some of them are below the 2009 lows. In my mind, caution is warranted. (All chart data is as of 2/3/2016)
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US Banks
Various Financial Entities
Chinese Banking
European Banking
Finally, beware when you hear “it is different this time,” as it probably is not.
This is just for educational purposes, and I am not making any specific recommendations. This is simply a guide to assist you in thinking about your own personal position, how much risk you are willing to take, and what your expectations are.