I know I should have been investing and cash saved in the bank will just depreciate in value over time. At the same time, I am keenly aware that I sucks at timing the market. However with the S&P 500 near all time high and STI range bound for the year (at least that is how I feel), and world economy slowing – I am just waiting for the ‘storm’ to come before buying shares (which I deem as undervalue by then). I have a weird way of looking at the overall unrealized profit and loss in my stock portfolio. And I don’t really trade (or sell) my stocks frequently. Typically if I see more red (losses), and the larger unrealized losses I have, the more I will be willing to accumulate stock. I tend to like to average down (of course sometimes I will end up with value traps ......