Worried about a potential downturn? You’re not alone — and the latest data from major fund managers, market movements, and big-name investors shows 4 major yellow flags that every retirement investor should be watching. In this week’s Fastest Four Minutes in Finance, we break down what’s really happening beneath the market’s surface and why now is the time to reassess your risk.

Here’s what we cover:

• Surreal complacency on Wall Street — Fund managers running nearly $500 billion are bullish, even while admitting stocks are overvalued and AI may be in a bubble.
• Conflicting signals on interest rates and tariffs — emotional investing may be taking the wheel.
• Big-name caution — Gundlach urges moving 20% to cash/T-Bills, and Burry quietly hedges against AI high-flyers.
• Early signs of market momentum breaking — S&P dips below its 50-day moving average, and the Nasdaq slides over 5% in days.

These yellow flags don’t guarantee a crash — but they DO mean it’s time to ask the real question: Is your retirement plan built to withstand a 20%, 30%, or even 50% decline?