{ "media_type": "text", "post_content": "Should I be investing my 401k contributions right now? I’m afraid that the market’s going to crash. Would it be a better option to just hold the funds uninvested in the pre tax account?", "post_id": "60ad262c5765de002a86b9c2", "reply_count": 12, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Should I be investing my 401k contributions right now? I’m afraid that the market’s going to crash. Would it be a better option to just hold the funds uninvested in the pre tax account?

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Yes. No. Stop trying to time the market. This is why retail investors underperform so much.

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You never know what the market will do. But time should fix all that. Remember people who invested in 401k s in 2007 lost a lot in 2008 but now are doing great so it evens out eventually. No guarantees but the benefit of now is time.

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Given that recession on average happen about every 7-8 yrs in the US. An average worker will go through about 5- 6 recession in there working life. The last few have been really bad but it goes to show that theres no going to a magical ball to time the market

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Yes you should invest immediately. I am assuming you are young, there is an extremely high likelihood that the market will be higher when you retire.

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Time in the market will always yield better results than trying to time the market.

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No problem

Yes, it probably will crash (eventually) so hold a diversified portfolio that is not all in the US stock mkt

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Take a look at a long term graph of market returns and decide if there is anywhere it would have been bad to get into the markets. There are better times than others, but waiting means you need to make a decision about when to buy. Odds of getting it right are slim. Just buy and hold and keep saving.

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Put your money in funds immediately. Do it today.

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