The Rational Reminder Podcast · Thursday, July 16, 2026
A listener, 'Morvich', sold 50% of their portfolio into a money market fund last year due to concerns about a market bubble and is now regretting the decision. They are seeking advice on whether to reinvest as a lump sum or through installments, and if their initial bubble concerns are still valid.
“I mistakenly sold VQQT and took a 50% cash position last year concerned about a bubble.”
“Now I have regrets and want to invest it back. Should I do a lump sum? Should I do it monthly or quarterly installments? Or is the bubble concern real and I should keep it as cash, or keep a cash percentage.”
“I think this situation highlights one of the big problems with market timing is that you have to be right twice. You’ve got to be right once on the way out and you’ve got to be right again on the way back in, which is often the more difficult one.”