Given how volatile the markets are, I would avoid investing altogether right now. But you can start now to build a cash position that you can access quickly so that when opportunities do present themselves, you are in a position to take advantage of them. And there is a better way to do that than just socking cash away in a bank account or under your pillow. There exists, today, an asset that is incredibly safe, that is guaranteed to increase in value, that can be accessed tax-free at any time, that grows exponentially (through compound interest) in the long run, and which, at the owner's death, is inherited entirely tax-free by the owner's beneficiaries (so no estate tax applies). That asset is a properly-structured, dividend-paying, whole life insurance policy from a mutual life insurance company that has consistently paid dividends every single year for at least the last 100 years. Using whole life insurance as a vehicle to build capital is a strategy that was pioneered by the late R. Nelson Nash and described in his short, 92-page book entitled "Becoming Your Own Banker". It is a tragedy that this is not common knowledge, because anyone who is insurable (or who has insurable interest in someone else) can start one of these policies and start building capital essentially risk-free. It's not easy to communicate the power of whole life insurance and there have been decades of propaganda from some less-than-honest folks who recommend that you "buy term and invest the difference", but this is bad advice as term life insurance doesn't even end up paying out in 99% of cases. If you're interested in discussing this further, let me know. I'm not an insurance agent, just a very enthusiastic policyholder who has been building a cash position inside of whole life insurance for the last several years and who sees the benefits more and more every day.