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Balancing cash in uncertain markets

Focus your asset mix on your long-term goals.

Key Takeaways

  • An emergency fund ideally covers from 3 months to a year’s worth of expenses.
  • The fear of losses causes many investors to hold an excessive amount of cash.
  • Historically, investments made in peak markets have often shown strong performance compared to cash.
  • Don’t focus on timing the market, focus on finding the right asset mix.

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Investing involves risk, including risk of loss.

Diversification and asset allocation do not ensure a profit or guarantee against loss.

Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

Views expressed are as of the date indicated, based on the information available at that time, and may change based on market or other conditions. Unless otherwise noted, the opinions provided are those of the speaker or author and not necessarily those of Fidelity Investments or its affiliates. Fidelity does not assume any duty to update any of the information.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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