Sunil Prabhakar

Having too much cash sitting on the sidelines in a money market fund might seem like a safe move. But history shows that there’s an opportunity cost to playing it too safe. Simply put, cash has less growth potential and most likely won’t help you reach your long-term goals. Even with periodic market downturns, history shows that markets eventually rebound, recoup their losses, and ultimately move higher — outperforming cash by a wide margin.

Market downturns and corrections can be nerve-wracking—but they are normal parts of the market cycle.

When you focus on short-term market movements, it’s tempting to let emotions drive your investment decisions. But don’t let short-term upsets derail your long-term growth potential. By staying disciplined and remaining invested despite these fluctuations, your portfolio may be in a better position to achieve positive returns over time.