DMT is of course, a Dirty Market Timer, and I have no desire to be one. HOWEVER, with the rise in stock and bonds prices over the last two months, yields are down (I mostly buy dividend paying stocks), while the yield on my savings account is up quite a bit to 5.15%. So far this year I have been pretty good about making monthly contributions to my taxable account (401k and Roth are maxed out already) but with the current situation, I am tempted to let some extra cash accumulate in my savings account until the market has a few bad days. I'm still early in the accumulate phase, and I know I should stick with my asset allocation, but it's tempting to let the cash% rise from 10% to 15% given these circumstances.