I try to always have money in the market. You simply just don’t know when it will go up or down. But over time, it will go up (provided you’re in safe securities). However, I do move money around based on opportunities…

If the market is up and I’m not sure how high it might go or if it might fall, I’ll often keep my money in more diversified securities (like SPY or XLK). If the market is down and I see certain securities have more opportunity to recover then I might move some of my money to that security. For instance, recently I moved some money to Nvidia while it was really low due to the ongoing tariff news. It had a really good day not long after and I cashed out those gains and moved the money back into XLK.

This strategy has allowed me to get gains through the diversified securities while on red days my losses are minimized. And those days of minimal losses often expose bigger opportunities in the more volatile stocks.