It depends on how long you’re investing for. I don’t plan to pull the money out any time soon so I continue to put it towards an index fund or etf and hold.

It doesn’t have to be an either/or. That said, a 100% bond portfolio is seldom a good idea for anyone. If you’re unsure how to split up your stock/bond allocation, then choose a target date fund for your age.

The problem with that plan is that you might not enter back into your original positions at the right time (i.e. you might buy back at a higher price that the one you exited at).

Also... if your small nest egg is in single stocks, you are taking too much risk and maybe should reallocate more into index funds.

If your investment horizon is a long time, than just keep your money where it is (though I'd definitely switch to index funds) and ride the wave.

Inflation and recession are not just buzz words. I’d encourage you to study what they mean and why they’re happening. Look up fed raising interest rates and the stimulus checks from 2020 and 2021.

Either way, what you’re asking for is what everyone wants. The best 24 month guaranteed return right now is a CD. Discover currently has a 4.5% CD over 2-5 years.

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No. You should have an allocation strategy and stick to it. You then rebalance occasionally when things get a little out of whack.

You do not try to time the market by changing things up. You will fail. You will not know when a market bottom or top is reached.

>Bonds or Stocks Which Way Do You Go?

Both. Pick your allocation and stick to it regardless of what the market is doing. The most efficient portfolio for long term growth is one where you don’t try to optimize for current market because you most certainly will mis time the market.

And ignore the bloviating talking heads on media, they don’t know what’s in store in the next year any more than you or I do

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I don’t change my plan. Whatever allocation and if timeline you had you stick to.

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Jumping back and forth to try to maximized gains and avoid losses is called "market timing," and it is a bad thing. Mostly because for market timing to work, you have to accurately guess when the market hits the top, and accurately guess when the market has hit bottom (so you can buy back in). Getting either one of these guesses right is extremely difficult, getting them both right is impossible.

If you're young and have decades for your nest egg to grow... stay mostly in stocks. If you're close to retirement you should be invested in a roughly 50 / 50 split between stocks and bonds.

If you haven't heard the story before, you should meet Bob, the world's worst market timer.