[raducu]

Nobody really knows, or they would be rich.

Warren Buffet seems to hold cash in expectation for the next crash, but the last crash proved he can get access to much better deals than you and I can, so it doesn't mean you should hold cash because he does.

Real estate seems overpriced, but who really knows?

Gold?

Bitcoin? Yeah right.

Perhaps index funds? It would seem unwise now that stock markets are at all times high, but perhaps "time in the market is better than timing the market".