Every few months a client asks a version of the same question: shouldn’t we wait until things settle down? It is a fair instinct, and an expensive one.
Markets never announce that the uncertainty has passed. They price it continuously, so the moment conditions finally feel safe is usually the moment much of the recovery has already happened. The investor who waited for comfort paid for it in returns that never appear on any statement.
None of this argues for recklessness. It argues for setting your risk level once, deliberately, while you are calm, and then leaving that decision alone when you are not.
A portfolio built around your real timeline does not need the next six months to cooperate. It needs the next fifteen years to look roughly like most fifteen year periods have: uneven, occasionally alarming, and eventually kind to the people who stayed put.