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Message: [QUOTE="HuskyHawk, post: 4319884, member: 1414"] That's the point I was trying to make. The interest rate situation of the last decade+ essentially meant that equities were the only place you could park your funds, since there was no viable money market fund returning more than 1%. So you can leave them there or perhaps in what seems "safer" stocks/funds like SPY because you don't want to miss, for example, the increases from 2019 to late 2021. Back when you could get a 5% CD that was viable. It hasn't been for a long time. I recall my dad taking out one for me at around 16.25% back in the Carter administration. As for the house, I'm waiting and watching the wildly inflated Cape Cod real estate market. If we get a crash, I'll probably go in. I regret not pulling that trigger several times in the past. Right now prices are dropping, but not as fast as my stock holdings. [/QUOTE]