If you knew then what you know now, how would you have invested in 2000 - 2002?

I don't believe in hindsight, but I am pretty much investing now essentially the same way I invested then, based on stocks being too rich for my blood. I put no new money into the market and sold stocks I felt were over valued for the risk, keeping the proceeds in cash. When the market tanked, I put the cash to work buying stocks that were on sale. Major difference now is that we no longer have a paycheck, and my risk tolerances are lower.

Have not done much in terms of juggling this year, other than take profits on AVGO, which had become too big a portion of our portfolio and in the wrong account, using that to offset some losses. Bought for post split price of $18.50/share during Covid plunge, and sold for $359/share, maintaining a large number of shares that are still in the wrong account but not much I can do about it because of extreme tax consequences. Also taking Federally tax free gains on the sale of our primary home, assuming the sale proceeds to the end. Not buying another home at this time, so that will add a significant chunk to our cash holdings.

I do realize that even at the interest rate we are getting on our cash, being cash heavy comes with risk of it's own, but right now trying to optimize ability to take advantage of future opportunities, where ever and in what ever form they may take.

IP