Those of you who cashed out at the beginning of the year, what’s your strategy for buying back in?

Timing the market is tough, and for those who loaded up on cash in January, you got half the puzzle right. What’s your approach to buying back in? DCA on the way down? Have you already begun? Wait until the recovery begins, which only hindsight can indicate. Or, are you just sitting out a year or more? With interest rates still high, it’s tough to pass up no-risk 4% when the market is so volatile.