Suze Orman Says 'When Sentiment Is This Fearful, It's Not the Time to Sell' — But If You'll Need the Money in 5 Years, It Shouldn't Be in the Market

With the stock market sliding and fear running high, Suze Orman jumped in this week with a reminder that's equal parts firm and familiar: don't let panic do the decision-making.

"We are looking at another down day for the markets," she wrote in a Facebook post over the weekend. "Why? Well, China has retaliated, and that's got investors on edge." Between the global headlines and market volatility, she says it's starting to look—and feel—a lot like 2022. "Volatile. Emotional. Uncertain."

But here's where she draws the line: "When sentiment is this fearful, it is not the time to sell."

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Her advice is clear: keep your head, and keep your money where it belongs—if you can afford to. "Money you have in the market should have been money you did not need for at least five years," she said. "Let this play out."

That's not a green light to throw everything at the market, either. If you're dollar-cost averaging, she says, go small. "Do it with seriously tiny amounts. This is not the time to be aggressive."

One of her strongest messages was this: don't stop investing just because the market is down. "If you are contributing to a retirement account, do not stop. Stay the course. Keep investing steadily. That consistency is your power."

Orman also flagged a few silver linings: bond yields are collapsing, potentially boosting portfolios. The 10-year Treasury is sitting at 3.8%, helping on the mortgage front. Gold has soared past $3,150. And for those looking for stability, she pointed to a high-yield CD as a safer option for idle cash.

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She also suggested now may be the right time to slowly begin Roth conversions. And on the commodities side, she noted that WTI crude oil has dropped below $65—a level that could signal a slide toward $45 if the trend holds.

As for stocks? She says stay diversified, avoid bottom-fishing, and lean into dividend-paying companies that have shown strength. "This is when dividend-paying stocks can really help stabilize your portfolio," she said, pointing to names like AT&T and Verizon.

Orman's message wasn't alarmist—it was direct. Stay calm. Stick to the plan. And whatever you do, don't invest money you'll need anytime soon.

"Let's take this one day at a time, together," she wrote. "Be kind to yourself. Be kind to others. And always remember—you are stronger than your fear."

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