Yep. Not sure what is their definition of a “crash”. At any point market can go up or down 5, 10 or 20%. If you cant risk that then get a 1% CD or cash out. The PE is a bit over 15 so it is not overvalued. The problem is bad govt policies. I maintain some in mkt to offset inflation. Younger people should have more if they can ride out a storm that could happen at any time.
At 1%, you’re better off keeping your $ in a sock.