Always tough to time the bear market Oh Dad I Wont Lie To You shirt . It could come in the next year, or we could go up another 25% before we enter it. I am keeping some cash on the sidelines but I am close to fully invested. That’s what I was talking about to someone else here, but they insisted being 100% vested, just more so in bonds in case of a drop…but then you’re missing out on so much equity gain by being in primarily bonds. I have something like 4% in cash right now in my taxable account. My Roth is fully invested. I’m letting dividends just accumulate and I’ll put them to work when we see a pullback or just dump them in an index fund. I don’t know which individual stocks I’d buy right now aside from some I feel are undervalued. That seems like a solid plan to me. Is your Roth all equity based or did you throw some bond funds in the mix
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