It has long been noted that investors - individual and institutional alike - tend to be their own worst enemies. They have an uncanny ability to buy stocks near market tops and sell near market bottoms. It's probably more accurate to reverse this implied causality. Markets top because the last investor in the herd has piled in, and markets bottom because the laggards of the herd has exited. 

​https://alphascientist.com/investor_flows.html

A trust is a legal arrangement for the transfer of property by a grantor to a trustee for the benefit of a beneficiary.     There are many types of trusts to consider, each designed to help achieve a specific goal.   With the current high federal estate tax exemption, the purpose of a trust today is more about retaining control over assets during the grantor’s life and upon the grantor’s death than creating an estate tax saving plan.

https://www.fidelity.com/viewpoints/personal-finance/reasons-to-consider-a-trust