Shov, don’t listen to the “your losing if your in cash” or “sitting on the sidelines is not where you want to be”. Everybody has a different tolerance for investing. You might want to make smaller scheduled investments into the market and not be so concerened waiting for “something to happen”. I just advised my son to start this years new 401k contributions into the market. (He will keep his current savings in cash). Where you don’t want to be is with losses or no savings at all……….