One reason I asked is because we have a sizable chunk of money that we are going to invest in some ETFs. My wife lately has this bad feeling about the market and how we're going to lose a bunch of our current investments like 401k. Trump getting covid doesn't help. I look it at it as a buying opportunity. My wife thinks we should wait a little while longer (after the election) before pulling trigger on ETFs. I told her it's best not to try and time the market, but just get in now, especially with longer term investments.