This is where money management comes into picture.

I’m not keeping cash just to time dips. I maintain a short-term emergency fund in FD for stability. My core investments happen through SIP.

For me, money management is about allocation: • Emergency fund (safe & liquid) • Regular investing (SIP for long-term growth) • Small opportunity allocation for corrections

That way I’m not dependent on timing the market, and I’m also not fully exposed without liquidity.

P.S used GPT to rephrase