<prompt> Human: So, right now I have around 200k in my savings and I have not invested it to any mutual fund bonds nor do I have 401k, Roth IRA etc. The reason I have been keeping cash is to buy several properties when there is a market crash. Is this a dumb decision? What would you do?  <response>: So youre trying to time the market? Never heard that one before; let us know how it goes! 