Holding cash isn’t about fear — it’s about discipline.

Big investors like Buffett and PPFMF keep cash when valuations get stretched because they’re waiting for better opportunities, not panicking. Cash becomes “patience capital,” ready to deploy when markets correct. But just because they wait doesn’t mean you should stop investing; for normal investors, SIPs remain the smartest strategy. Markets will fluctuate and headlines will create noise, but timing the market is luck — staying invested over time is what truly builds wealth.