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Message: [QUOTE="mussels, post: 4069352, member: 5722"] I’m with Hawk here. There is no one size fits all answer. Depends on the interest rate of your current house loan, how many other assets you have, how they are allocated, your income requirements during retirement, and risk tolerance. You probably don’t want to share this stuff on the boneyard, so talk to a professional. If you already know that, and just want to take an informal poll of what “some guy” on the boneyard thinks, here is my contribution: Stocks are traditionally a solid long term investment (think low cost index funds not trying to pick winners). However, due to historically low interest rates, we have recently seen an unparalleled period of uninterrupted growth (other than a short COVID blip) and this will not continue indefinitely. There are increasing headwinds - inflation which will force the fed to increase rates, supply chain interruptions from COVID, China developers defaulting on foreign debt, China’s increasingly militaristic stance regarding Taiwan, and the proposed multi trillion federal spending (and taxing) programs which are a total wild card with respect to the market. So what to do? If you’re already in the market with a long term view, pretty much stay the course, and fasten your seatbelt. If you’re looking to get in now, it’s a little trickier, and really depends on your horizon. The generally accepted advice (which I agree with) is don’t try to time the market. With this in mind - if your horizon is 10 plus years out, then dollar cost average your way into an index fund over the next year and go to sleep. If it less than that, consider dollar cost averaging a percentage of it, and keep some on the sidelines waiting for the dip. Also, be aware that when it comes to the economy and the direction of the market -nobody knows nothin. Good luck. [/QUOTE]

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