'This Administration Is Full Of 6-Year-Olds'—Investor Says They 'Sold All Of Their Holdings' And Is '100% Cash Until The 2026 Midterms'

One Reddit user just gave the economy subreddit a glimpse into what panic looks like in real time.

In the popular r/Economy subreddit, the user said they sold all of their holdings and are “100% cash until 2026 midterms because this administration is full of 6-year-olds.”

They added, “All of my personal investments have turned into 100% cash and sold when the market was very low (I'm still kicking myself in the ass everyday for doing that).”

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Market Timing vs. Market Patience

Despite the regret, they said they couldn't handle the volatility anymore, even though they were invested in a broadly diversified fund: “I feel like I'm day trading Vanguard Total Stock ETF. It's just so horrendous.”

Reactions flooded in, and the general consensus was that selling low and holding cash isn't the win the user might think it is.

“You want to buy more when the market is down, not sell,” one user said.

Another pointed out the trap of market timing: “If you think you timed the top, now you gotta time the bottom. Probably gonna get mad if the market goes up.”

Several commenters also noted how common this mistake is, especially among younger investors. “Selling in 2009 is my greatest regret,” one user shared. “The best buying opportunities always look the most awful and scary.”

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Cash Isn’t as Safe as It Feels

While the original poster parked their money in a high-yield savings account, multiple users reminded them that cash isn't immune to erosion.

“The dollar isn’t safe right now,” one comment read. “You’re protected against market volatility but inflation is going to make your cash worth less than other, more safe investment choices.”

A few recommended alternatives like Treasury ETFs, CDs, short-term investment grade bonds and even dividend-focused ETFs.

“Money Market or cash/dividends ETF. Inflation is still up which means returns on cash accounts with interest given are currently a relatively safe place to park money,” one user wrote.

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Politics, Tariffs and Uncertainty

Politics were central to the original post, and the comment section didn't shy away either.

Many mentioned President Donald Trump's tariff policies and their ripple effects on markets. One user explained, “[Trump] paused tariffs for 90 days to all the countries (except China) who were selling US bonds on the open market, causing the interest rates to rise.”

Another summed up the frustration with policy-driven volatility: “Markets dislike uncertainty. As you can see from these comments, certainty is in short supply. Nobody knows. Do your best.”

Some took it further, blaming both sides of the aisle. “This isn't going to be a quick recession like COVID. We have a few problems we have to unwind and I'm pessimistic there is anyone capable of leading us out of this, Republicans or Democrats. It's scary out there.”

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So Was It a Bad Move?

Most think so. “If you hadn’t sold you would have lost nothing,” one said. “Investing by your politics is foolish.”

Others were more empathetic. “There is no wrong move if it gives you peace of mind,” a top commenter added. “You might miss out on some gains. That's irrelevant if the stress and potential losses can alter your life plans.”

Still, the original poster might be left with the worst of both worlds: locking in losses from selling low and watching inflation chip away at their savings.

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