The SPY is very close to testing last week 378 low. The market remains vulnerable to a potential breakdown into mid-March, similar to 12-months ago. 

Potential Breakdown Triggers: Senate negotiations over the $1.9 trillion stimulus turn negative or spiking interest rates are the obvious choices. 

I don’t know if prices will break lower, but the setup is there.

I’m afraid a breakdown in the stock market could trigger more downside in gold miners, so I’d like to wait a little longer to see if stocks break down before adding the available cash reserves ($5500) to the educational portfolio.