> Cash in the bank so you can buy equities at the bottom. Cash is a good way to lose money through opportunity cost: * https://ofdollarsanddata.com/even-god-c

> Cash in the bank so you can buy equities at the bottom. Cash is a good way to lose money through opportunity cost: * https://ofdollarsanddata.com/even-god-couldnt-beat-dollar-cost-averaging/ https://ofdollarsanddata.com/even-god-couldnt-beat-dollar-co... If you're worried about risk and being able to sleep at night, you can dial back from 100% equities (S&P 500, Russell 3000), and do some bonds. Vanguard (e.g.) has funds that are fixed 80/20, 60/40: * https://investor.vanguard.com/investment-products/mutual-funds/life-strategy-funds https://investor.vanguard.com/investment-products/mutual-fun... This way you don't have to go through the effort of rebalancing yourself.