Was originally planning on remodeling the house but those plans are now canceled. We have roughly $100k sitting in a savings account doing nothing. We want to put into this our core four lazy portfolio now.
With the US markets at all-time highs and our US total stock market allocation at close to 50%, I am not sure if this is the wisest thing to do. However, I am basically saying I am trying to time the market which is also difficult/dumb to do. I am planning on retiring at around 2045-2050.
I probably shouldn't worry about trying to time the market and just stick with my strategy, am I right?? What do you guys think?
I also have $0 in crypto right now which I am seriously thinking about building a smallish portfolio of BTC and altcoins with a pretty even alloation. Thoughts on this?
