My wife freaked out back in March, when our retirement accounts lost 30%+ in a couple days, wanted to pull it all out, and do what, I dont know.. I didnt pull it out, just added more, and started throwing every extra penny I had into my funny money account. By the end of the year, retirement accounts and funny money accounts finished strong.
Obviously the returns we saw in 2020 are not sustainable, but there's going to be a vaccine, and the economy is going to get rolling again. there are going to be some setbacks, the housing market will most likely slow down, as foreclosures ramp up, tenant evictions will be coming soon. Commercial real estate is going to get nuked - but corporate profit margins will increase without rental expense on the books.
I'm guessing we have an up and down year, I'm keeping my money in, and will continue to rebalance as necessary. I'd hate to pull my money out, and then promptly miss one of those 5-7% growth days.