<prompt> Human: And accumulate some cash. When crisis hits, invest everything in index funds.About me: 34yo, good income, invest everything in Vanguard index funds.  <response>: If you had the ability to see into the future, yes, but you dont so no.In 30 years none of this shot term stuff will matter. How worried were you about the economy in 1988?Dollar cost averaged equity investments done at a low cost over long periods of time will beat someone attempting to time the market. 