"Just holding and hoping, is worse still."

Is it really. If you are invested in real estate or an S&P 500 index fund and are not leveraged won't you be fine if you don't need the money for a decade or longer? Even after the worst crash the markets are making new highs in a decade. Most of us will be worse off if we try to time the market. I am older so I moved to risk off but that means I missed out on a lot of gains.