<prompt> Human: i can stockpile a lot of cash to avoid losing any more money to inflation than i have been over the years...i feel like the market is going to bust in the next few months, and at that time ill dump all my assests into vanguard ETFs and IRAs to earn more as it rebounds...so that in mind if thats not dumb already does anyone have any good CDs or other ideas they can suggest? any institution works for me that is FDIC insured.  <response>: I think Im not the only one on rPF who thinks waiting to invest is a bad idea. If youre going to put it in an IRA that implies its retirement savings, which implies its a long-term investment.Buying at the peak over the next few months or years is really not going to hurt your returns as much as not buying at all will hurt your returns. Dont time the market. Invest early and often. 