<prompt> Human: Im 22 with 36K in stocks, 17K in cash, and no debt. Im starting grad school at the end of August, but should be able to cover those costs with income from my job. My main concern is I have very little confidence in the market right now, and while it continues to go up, it feels like a bubble with no actual growth or prosperity backing it up. Since I think the market will crash soon, I want to park my investments some place else so they dont lose value, then buy up the stocks once theyve dropped significantly. Is a checking account the best place to park it, or is there another kind of investment that wont mirror the stock market in the event of a crash, still provide some interest, and is liquid enough to capitalize on a crash?  <response>: If your investments are highly diversified and you dont need them anytime soon then dont worry about it. People do this all the time and miss out on huge gains. 