Help me whether I should keep my money in [CASH.TO](https://www.reddit.com/r/PersonalFinanceCanada/comments/136u39z/ysk_you_can_get_high_interest_rates_on_your_cash/) or ### Missing the important days Missing a few crucial days where stocks rally can change the annualized return from 8% to 3% - With long-term investing, you should keep them just parked and continue making regular contribution - [https://www.putnam.com/literature/pdf/II508-ec7166a52bb89b4621f3d2525199b64b.pdf](https://www.putnam.com/literature/pdf/II508-ec7166a52bb89b4621f3d2525199b64b.pdf)