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For the next year sit in cash or pick up stocks that pay good dividents and are poised to grow after the crisis passes (e.g. banking or telecom). 8-10% is achie

• Retric 4y ago
  “early 20s” means cost dollar averaging makes timing the market irrelevant. He doesn’t have enough cash on hand to make doing anything complicated worth the effort for minimal gain. At that age, 100% in a ultra low cost index fund using whatever maximizes tax advantages. Just be aware 401k etc programs often have penalties for early withdrawal so don’t put all your savings in such programs because life happens. PS: 10 years from retirement having money in bonds can be a good hedge, but when your decades from retirement a dip in the market just means the next few paychecks gets invested in a low which is the entire point of using bonds and rebalancing a portfolio.
• JW_00000 4y ago
  > For the next year sit in cash [...] after the crisis passes I feel like I've been hearing that for the last ~8 years at least. Stocks have been said to be "overvalued" for a long time... If you would've waited all that time you'd have missed out on a lot of gains. In fact, you could even argue that we're at a low right now so that it's the ideal time to start investing more. But the truth is we cannot know whether we're at a high or a low, or somewhere in between, so the best option is dollar cost averaging.