General Discussion

And if you're close to retirement, the targeted blended funds your 401K is in are hedged to mitigate risk. Those target funds for year of retirement that most 401Ks offer change over time and protect you from most down turns.

You invest for the long term, now is not the time to panic. People who panicked during Covid and tried to time the market missed out on massive gains. Timing the market is nearly impossible because you have to be right not once, but twice. There are super computers using AI that won't time the market right, your prospects are basically a roll of the dice.

That being said, HYSAs have outperformed the DOW since Trump was inaugurated. I don't hear them bragging about 50,000 anymore. And I think they'll blame this correction of Bear Market on the war, but we have had an entire year of basically no net new jobs created, an absolute catastrophic period for jobs in this country.

It's going to be a bumpy ride, but I implore people do not get caught trying to time a volatile market. A Dem will come in and save the economy eventually, we always do.