Stay Disciplined – Don’t FOMO Into the Market

Right now, I’m holding 27% cash in my portfolio, the highest it’s ever been. While sitting on cash isn’t ideal (especially with inflation), I don’t feel compelled to chase the market at these levels. I’m already well-invested and comfortable with my positions.

Yes, my cash earns decent interest in a high-yield savings account, but even that will see lower returns starting 1 August 2025. Still, that’s no reason to rush into overvalued markets out of fear of missing out (FOMO).

The current market feels euphoric, and when emotions run high, mistakes happen. If you’re sitting on cash, stay patient. Better opportunities will come. Don’t let FOMO push you into reckless decisions.

Discipline > Emotion. Wait for your moment.

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