Too much money on the sidelines

[Anonymous]

I've been nervous about the markets being frothy the last year and now have way more than i'd like in money market funds.

Anyone in a similar boat? What are you planning to to?!

[Anonymous]

Anonymous wrote:I've been nervous about the markets being frothy the last year and now have way more than i'd like in money market funds.

Anyone in a similar boat? What are you planning to to?!

Me. I plan on waiting for the inevitable crash.

[Anonymous]

I'm 100% in tech stocks I've handpicked myself, and will continue to do that.

If you're investing for the long-term, a year's fluctuations should not bother you. I check my portfolio a couple times a year. It's been growing for 20 years now. Even if we go into a recession, it won't matter to me.

[Anonymous]

Same here...we sold a property and have way too much cash. But we can't afford to lose it so it's just sitting in VMFXX. We're waiting for the crash but I'm getting impatient.

[Anonymous]

Got in early and have no reason to get out because my holding period is forever.

[Anonymous]

I have the opposite problem. Too little cash and too much invested. I feel a lot of fomo when I leave money in savings accounts. Its all great unless the market tanks and i lose my job at the same time.

[Anonymous]

I moved half my TSP and considerable amount when Trump got elected. Hasn’t been a good move. He says one thing and then calls it off. He cares about the stock market as it it’s a grade on him. I should have put $$ in VOO or QQQ when “the liberation day” back in April when VOO went down to $455. But I have a feeling that another opportunity like that is not far off.

[Anonymous]

I said fk it today. The adp was terrible with tons of job loss. I sold all my stocks a month ago on market fears and had my money in a money market funds and bonds waiting fir the ai bubble to burst and shtty job reports to drive the stock market down low enough to buy. Turns out no one cares about stupid things like tariffs, employment and overall economic conditions and the market just goes up. I am once again back in a broad market us and foreign stock fund. Who cares. Let it ride for another few months and then I’ll put it all back in bonds until the recession hits and then I can buy stocks low.

[Anonymous]

Anonymous wrote:I moved half my TSP and considerable amount when Trump got elected. Hasn’t been a good move. He says one thing and then calls it off. He cares about the stock market as it it’s a grade on him. I should have put $$ in VOO or QQQ when “the liberation day” back in April when VOO went down to $455. But I have a feeling that another opportunity like that is not far off.

This. It’s so unpredictable.

[Anonymous]

Anonymous wrote:I've been nervous about the markets being frothy the last year and now have way more than i'd like in money market funds.

Anyone in a similar boat? What are you planning to to?!

Same. I’m not rich and holding a lot of boring cash/bonds/money market for now. With my 401k I’m putting funds into non-US and emerging markets. I have about $100k in limit orders scheduled if/when prices drop. I am self employed so I like to have a cushy emergency fund.

I consider it waiting to buy until things go on sale. Others might call it a pathetic attempt to time the market.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I've been nervous about the markets being frothy the last year and now have way more than i'd like in money market funds.

Anyone in a similar boat? What are you planning to to?!

Same. I’m not rich and holding a lot of boring cash/bonds/money market for now. With my 401k I’m putting funds into non-US and emerging markets. I have about $100k in limit orders scheduled if/when prices drop. I am self employed so I like to have a cushy emergency fund.

I consider it waiting to buy until things go on sale. Others might call it a pathetic attempt to time the market.

I feel this.

[Anonymous]

Watch out or the red blooded heartland patriot on here who thinks anyone questioning the market is just experiencing TDS, and who is obsessed with good old Tesla stock, scolds us all for being apprehensive about the beautiful stock market!

[Anonymous]

time in the market is better than timing the market...blah...blah...blah

[Anonymous]

I do not know if this is a good idea but this is what I’m doing. Not financial advice

1. Take equity exposure down about 15%. Think 45/45/10 (cash) instead of typical 60-40. Adjust based on your age.

2. Equity exposure is a mix of incredibly well diversified passive investments (VOO etc), similar foreign stuff, and handpicked tech like the last poster. For the tech I am looking for positions I can hold until as least 2030, ie no disruption risk for the core business.

3. Try to be disciplined and happy I can collect a positive real yield in fixed income. Historically this has not been the case most of the time since the GFC. Clip the coupons in tax sheltered accounts.

4. Keep enough cash to buy if there is a large dip. Be happy that cash is also earning a positive real yield.

Basically the incoherent administration policy means that we need to accept a lower expected rate of return to achieve an acceptable expected level of capital preservation.

[Anonymous]

Anonymous wrote:Watch out or the red blooded heartland patriot on here who thinks anyone questioning the market is just experiencing TDS, and who is obsessed with good old Tesla stock, scolds us all for being apprehensive about the beautiful stock market!

The point of the thread and a lot of the responses are lamenting that they have made a mistake staying on the sidelines or sold at the wrong time. And clearly it has been a mistake. You keep showing up on these threads like you know something but you clearly don’t.