[DwnVoteHoneyPot]

No one here has asked you about your risk tolerance. If you need to avoid losses (maybe due to supporting the family), you move to cash or partially to cash. I wouldn't have a fear of missing out if there is no recession because your income is how you make money, not betting on the market.

If you're sure a recession is coming, you move to cash or partially to cash. That allows you to buy in when things are lower (eg. Warren Buffet always carries lots of cash and everyone came begging to him in 2008 and he promptly told everyone to bend-over and he did some amazing deals).

In summary, if your risk adverse => cash. If you want to be opportunistic => cash.

[traceroute66]

> No one here has asked you about your risk tolerance.

Very much this.

There are too many idiots on the internet dishing out so-called "investment" advice without any sort of consideration of suitability for the person doing the asking.

In most cases the person doing the asking will not be willing to air sufficient dirty laundry in public to give a correct personal picture of their financial circumstances.

Hence people who give unsubstantiated "investment" advice should always be avoided.