I spent December looking at returns, 25% in 2018, 30% in 2019 and 106% in 2020. I'm retired and spent all day taking gains using market orders which I almost never do. This market, seems to me at least, to have perfection baked in. The senate republicans in Georgia don't seem to get it so depending on tomorrows results, the radical left may significantly alter the tax code in the year ahead and not to the investing communities benefit. Everything may tank. I am 95% risk OFF! Anyone else have concerns?