In the past, with every market pump, I've been scared to get in. When the market finally dips, I've been scared to get in. I expect that the Great Recession/Depression type bear market is going to happen.
As a result, I've never been fully invested in equities.
I still think that there will be an inevitable bear market. The stock market can't keep going up forever, even with President Trump continuous encouragement and TACOs. However, I have developed an investment strategy that will help me weather a bear market and keep my kids fully invested for the long term.
For now, I believe that March 31, 2026 is the bottom from which this rally has started. Although, I bought the dip prior to March 31, I'm going to hodl there is a clear top, which sometimes is hard to define. In the meantime, I'm buying bonds and bond funds to create regular income, which should enable us to survive the stock volatility downward should it occur suddenly.
I still don't see a clear top yet. So, I'm hodling at this time.
On the other hand, I'm having them make monthly investments into the S&P 500 Index in their Roth accounts, when they qualify for them, and continue to do so for 40 years. For their 529 plan, they are invested mostly in CDs since they need the money in few years. However, we're putting new 529 contributions into an S&P 500 Indext.
We shall see if this cures me from being a Scaredy-Cat. Of course, this works until it doesn't and YMMV.
This is not financial nor investment advice. Please consult a professional advisor.
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