If it makes you feel any better, consider this. In a bear market, its relatively easy to know when to sell. Sell now. But its not easy to know when to get back in.
Study after study has shown that folks who get out early get back in too late. And so they do worse than the buy-and-hold folks.
Of course, this time might be different. Who knows?
I’m recommending dollar-cost averaging to my kids looking to get in now.