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excellent but the last answer (about overseas or US positions) could have been clearer. I don't think anyone on the webinar is contemplating cutting US stocks and piling into international and/or emerging. Yes, international valuations always are lower. Still, does it make sense to be overweight US stocks (still) and underweight international? If so, by how much? Just curious about Fritz's idea - not seeking a specific answer to an impossible-to-answer question.