Anonymous
12/09/2025 17:32
Subject: Too much money on the sidelines
Anonymous wrote:Why is everyone so scared of a market correction and yet no one talks about the risk of inflation? A market correction is a quick event - a few months to a few years. Then stocks recover. Inflation on the other hand is virtually guaranteed and over long periods is devastating to cash holdings. Even with interest, the real return on cash is about 0%.
I hold enough cash to cover expenses for a few years and to keep me psychologically strong and not tempted to sell in a major downturn. The rest is always invested.
Blame the media? They freak out if the stock market goes down more than 1% in a day. Then all the dummies call or text you saying that the dow is down 500 points or whatever! I have no idea what that means because I don't own the dow index and I just don't care. Inflation can be devastating but it just doesn't seem as scary as a MASSIVE MARKET CRASH!!! So yeah, people are more impacted emotionally by volatility rather than the real risk of not meeting their goals because they were too conservative with their asset allocation.
Anonymous
12/09/2025 17:26
Subject: Too much money on the sidelines
I have about 500k that needs to be invested. Im buying 10k in VOO or similar every time the market pulls back and will use the rest of the cash to buy in a crash
Anonymous
12/09/2025 17:13
Subject: Too much money on the sidelines
Why is everyone so scared of a market correction and yet no one talks about the risk of inflation? A market correction is a quick event - a few months to a few years. Then stocks recover. Inflation on the other hand is virtually guaranteed and over long periods is devastating to cash holdings. Even with interest, the real return on cash is about 0%.
I hold enough cash to cover expenses for a few years and to keep me psychologically strong and not tempted to sell in a major downturn. The rest is always invested.
I hold enough cash to cover expenses for a few years and to keep me psychologically strong and not tempted to sell in a major downturn. The rest is always invested.
Anonymous
12/09/2025 16:42
Subject: Too much money on the sidelines
Anonymous wrote:I see you know already... melt up or crash down. But certainly not zoom up. Everyone is just waiting for the correction.Anonymous wrote:It could crash tomorrow or continue to melt up while all your cash is on the sidelines.
There is no "answer" to this question.
It’s very funny to me that people wait for a correction (i.e., a 10-20% market drop) and sit on the sidelines as the market continues to go up and up and up. And also thinking they will time the exact bottom to buy in. Insane.
Of course there will be a correction - it doesn’t mean that you exit the market and wait for it. There is just no way you can time it correctly.
Anonymous
12/09/2025 15:59
Subject: Too much money on the sidelines
I see you know already... melt up or crash down. But certainly not zoom up. Everyone is just waiting for the correction.Anonymous wrote:It could crash tomorrow or continue to melt up while all your cash is on the sidelines.
There is no "answer" to this question.
Anonymous
12/09/2025 15:42
Subject: Too much money on the sidelines
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote: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?!
Me. I plan on waiting for the inevitable crash.
Samesies. I bought in 2008, thankfully.
so you only buy at the absolute bottom and know in advance. For sure a winning and repeatable strategy.
No. We have money going into the market every month through 401K and deferred compensation. I haven't sold anything. But, I'm not putting extra $$ in right now because I want to build up my cash reserves, and yes, buy after the 2008-like drop. I'm also deciding whether to buy another rental property.
It's a winning strategy for me.
Similar strategy here. I did diversify a lot out of the dollar after trump won, more as a hedge than as a gamble. So far I am glad I did. If hastert is appointed to chair the fed, the dollar will only continue its fall. I want to have outside options in the not unlikely event that this country goes to the dogs.[/quote]
Is the option to own bitcoin, or equities adjacent to bitcoin like Coinbase?
NP. I wouldn't touch Bitcoin. Buy an international stock ETF if you want currency diversification.
Anonymous
12/09/2025 15:18
Subject: Too much money on the sidelines
*no one size fits all answer
Anonymous
12/09/2025 15:18
Subject: Too much money on the sidelines
It could crash tomorrow or continue to melt up while all your cash is on the sidelines.
There is no "answer" to this question.
There is no "answer" to this question.
Anonymous
12/09/2025 15:16
Subject: Too much money on the sidelines
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?!
You should be easing in little by little on market pullbacks. December is usually a pullback.
More market timing - keep it up for maximum results!
Anonymous
12/09/2025 15:14
Subject: Too much money on the sidelines
Anonymous wrote:Anonymous wrote:Anonymous wrote: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?!
Me. I plan on waiting for the inevitable crash.
Samesies. I bought in 2008, thankfully.
No. We have money going into the market every month through 401K and deferred compensation. I haven't sold anything. But, I'm not putting extra $$ in right now because I want to build up my cash reserves, and yes, buy after the 2008-like drop. I'm also deciding whether to buy another rental property.
It's a winning strategy for me.
But that's not what you said initially and the prior post is incredibly misleading from what you actually did. Hence why I called you out.
Anonymous
12/09/2025 14:44
Subject: Too much money on the sidelines
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote: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?!
Me. I plan on waiting for the inevitable crash.
Samesies. I bought in 2008, thankfully.
No. We have money going into the market every month through 401K and deferred compensation. I haven't sold anything. But, I'm not putting extra $$ in right now because I want to build up my cash reserves, and yes, buy after the 2008-like drop. I'm also deciding whether to buy another rental property.
It's a winning strategy for me.
Similar strategy here. I did diversify a lot out of the dollar after trump won, more as a hedge than as a gamble. So far I am glad I did. If hastert is appointed to chair the fed, the dollar will only continue its fall. I want to have outside options in the not unlikely event that this country goes to the dogs.[/quote]
Is the option to own bitcoin, or equities adjacent to bitcoin like Coinbase?
Anonymous
12/09/2025 14:14
Subject: Too much money on the sidelines
Of course there's always someone shouting bear. Except now, seems like there are no more bears in the financial media.Anonymous wrote:Anonymous wrote:Last year is not this coming year though. Our economy has added a net of zero jobs since June, ZERO. It takes about 100k per month to keep the unemployment rate from growing. Other indicators are pointing to us already being in a recession.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?!
Well, you missed a great year of returns then.
Market timing is a losing strategy.
People have been saying this for the last several years or even longer. So if you took their advice to sit on the sidelines then - look at what you missed out on. You have no idea what will happen, which is why you should dollar cost average in to the market and play the long game.
The stock market will go down at some point. And then it will go back up to new highs. No one knows anything except performance over the long run is fantastic. The banks are pretty bullish on next year. Their opinion is as valid as your opinion, maybe slightly moreso.
https://finance.yahoo.com/news/wall-streets-2026-forecasts-are-rolling-in--and-some-see-the-sp-500-hitting-8000-110002501.html
Why try and time the market based on your (likely politically motivated) biases?
I'm not sure how anyone can believe the markets can avoid a large correction. Maybe the jobs number are signaling pent up hiring demand? Idk but I'm waiting for the correction.
Anonymous
12/05/2025 20:01
Subject: Too much money on the sidelines
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?!
You should be easing in little by little on market pullbacks. December is usually a pullback.
Anonymous
12/05/2025 19:52
Subject: Too much money on the sidelines
Anonymous wrote:Anonymous wrote:Anonymous wrote: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?!
Me. I plan on waiting for the inevitable crash.
Samesies. I bought in 2008, thankfully.
No. We have money going into the market every month through 401K and deferred compensation. I haven't sold anything. But, I'm not putting extra $$ in right now because I want to build up my cash reserves, and yes, buy after the 2008-like drop. I'm also deciding whether to buy another rental property.
It's a winning strategy for me.
Similar strategy here. I did diversify a lot out of the dollar after trump won, more as a hedge than as a gamble. So far I am glad I did. If hastert is appointed to chair the fed, the dollar will only continue its fall. I want to have outside options in the not unlikely event that this country goes to the dogs.
Anonymous
12/05/2025 18:59
Subject: Too much money on the sidelines
Anonymous wrote:Anonymous wrote: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?!
Me. I plan on waiting for the inevitable crash.
Samesies. I bought in 2008, thankfully.
No. We have money going into the market every month through 401K and deferred compensation. I haven't sold anything. But, I'm not putting extra $$ in right now because I want to build up my cash reserves, and yes, buy after the 2008-like drop. I'm also deciding whether to buy another rental property.
It's a winning strategy for me.