<prompt> Human: Yes I know no one can predict the future, but for the sake of argument lets assume there will be a modest recession soon which will take several years to recover from. I have no debt, a maxed out Roth IRA, and more than 50K in ETFs and mutual funds. I live abroad and will not be looking to buy a house for at least 5 years. Would putting 10-15K into a 5 year CD with Goldman be a safe, smart investment or are there smarter alternatives? Thanks  <response>: Its not about timing the market, its about time in the market. 