Invest long term for predictable high returns
Share and bond markets go through cycles. It is exceedingly difficult to predict the bottom and tops of these cycles. The share market is much more volatile than cash.
The share market however, over the long term has a much higher return than bonds and cash.
As can be seen from the chart below from AMP Capital, because of the wonders of compound interest, if you invested $1 in the share market in 1900, you’d have over $1,000,000 today.
What to do
Create an investment portfolio and stick to it over the long term. Do not panic sell during market crashes and don’t take profits during the good times either.