Posts  / #POST-222025
REDDIT

Saved enough for private banking and scared to give green light to buy into market

P
Mar 15, 2026 · 18:49

Hey all, need some advice ..

We are high earners and savers.. have 7 figures in money market right now as the bank wealth advisors need a min to start as a client. We don't have the time to manage on our own.

First, we are scared as hell about getting into the current market. Just doesn't feel right like a crash or correction of some kind is around the corner. We work in tech and so many layoffs and restructuring happening at the moment.


The whole AI bubble seems real however there's also a lot of momentum there so this is one confusing area.

Essentially their outline plan is to invest over the next 10 months and not just invest the entire amount in one shot. We have a 12-year horizon before we want to start using and taking this money out. They said they will go for a conservative approach that sees our cash distributed 50% in global markets what 25% in fixed income , 20% alternatives , 5% short dated assets.

With the current dips in markets, seems like a good time to start with the initial 25% of the cash entry.


Should we wait entirely ? We will be saving significant amounts over the next years as well, should this remain in cash and wait for a market correction ?


Any insight would be great.