If u invest in stocks/options, u won't think that returns in...

If u invest in stocks/options, u won't think that returns in funds are good enough. Funds (especially equity funds) are investing in stocks as well. And if stocks fall, fund won't grow. Although there are many options for investing in funds that you may choose to. But when the storm comes, everyone is wet! I think diversity is important in any types of investments. But at this moment, hard to say that where to keep your money safe? At least, take some profits (if possible), narrow down your portfolio and save some money to wait for the next opportunity to come. Inflation is getting higher and higher, keeping idle money for a long term is not a good choice. But i rather keep money (20% in the market, 20% for lower dollars averaging, 50% waiting for the time to invest more, 10% for rainy days, then daring with margin when the direction is clearer). It takes time for market to bounce back. Sometimes, safely position while the storm coming will give you a better point of views: whether to run or to dance in the storm. Who knows? Bear market may just started?