Here's a reality check from Empower on 90 day returns: Foreign bonds +8.51%, US stock -10.08%

Yeah, so there's currently a >18.5% gap in 90 day returns between foreign bonds (represented by VEU) and US stocks (as represented by VTI). Foreign bonds have sucked since forever, but this suggests to me that there has been a fundamental change in the investment climate. I'm not suggesting we all run out and buy VEU (and I'm not myself either), but I think it suggests a close look at our investments and what this portends.

Over that time, Empower's other baskets have performed as follows: Foreign stock +1.03%, US bond +2.24%, Alternatives +2.82 (this is gold, real estate, and commodities *\[not crypto!\]*), and Blended -3.81%.