60% of non retirement funds in cash or CDs. That is going up by the hour, haha.
Besides 401K, which is already being dollar cost average, I plan to use some of my that 60% when the drop goes into pure panic.
As far as my 401K, which is taking a beating, I hope the market stays in a bear market for the next 2 to 3 years or more. I like the idea of investing long-term needed funds every month in a brutal bear market in the short term.
Buy low, sell high!