Yeah, I too am still heavily in cash. No, I don't feel bad about the gains I missed and am missing. I have enough money but not so much that I could stand a big loss. I would rather lose a little to the drip drip of inflation than a huge chunk to a market crash.

I would suggest a rewrite of "we are in the middle of a pandemic, a depression of epic proportions, and a tech bubble rivaling 1999. Investors know they are way, way out on a limb."

We are in the middle of an unpredictable pandemic and a recession that has the potential to become another Great Depression. We are in another debt bubble with many holding debt that they can never pay off. Too few investors know how far out on the limb they are and we have some serious social unrest.

I don't see us being in a 1990's type Tech/.com bubble. A lot of the big tech companies are thriving right now, the pandemic has been good for them. I think the tech companies at greatest risk are not publicly held. Venture Capitalist have a lot, a very lot of zombie assets.

TEK