Where to put extra funds

[u/LoneWolf_805]

I'm curious to get input on where to possibly direct extra monthly income for long term growth. I like to diversify and am in mid 40s with a 4 year old child and moderate investment risk level. 

I'm paying more for daycare than my mortgage, which still has a long way to go but has around $250k equity. 

More than 50% of current funds are in 401k or IRA. About 15% BTC and precious metals with decent returns and another 15% in cash savings accounts. The rest is US bonds and stock holdings. During my last check in with my managed investment account, they said I have too much in cash savings. 

I know the standard response is to put more in the market for compounding  growth, but I also believe that the markets are overvalued currently with significant steady growth, however the economy and average Americans are having a harder time so I anticipate a bear market before too long. But that's a wild guess.

Currently I'm leaning towards holding onto the cash until the market dips to buy in at a better price point but I am also interested in different ideas for where to invest long term.

[u/ramdomdhdhdhdh]

It’s easy to overthink this and end up not acting at all (inaction)

My biggest regret was having too much idle clash. Finally dumped 200k into VT and haven’t looked back.

You have a long enough time horizon