The stock market is insanely overpriced and due for a downturn. Maybe the US government will bail them all out again, but already 40 trillion in the hole, probably close to 50 by 2028 even without a crisis, and the indigestion in the bond markets right now, would give me pause in dumping cash into the market now.

It's also helping to prop up the worst companies in the world. And managers of the funds take a big cut despite not doing better than random choices, or a monkey throwing shit against a list of stocks to choose. Seriously.