If I had $10,000 to invest during this market pullback, I would not go all in at once.

My approach would be to keep most of the money diversified while taking advantage of lower prices gradually. I would put the core of the portfolio into a broad global ETF such as VWRA, which gives exposure to thousands of companies across developed and emerging markets. Rather than trying to guess where the bottom is, I would continue buying in stages.

I would also keep some cash aside for a larger correction. A 5% drop may look attractive today, but markets can always fall another 10% or 20%. Having cash available means I do not have to choose between panic-selling existing investments and missing a better buying opportunity.

For individual stocks, I would be much more selective. The recent volatility in AI and semiconductor stocks is tempting, but a falling share price alone does not make a stock cheap. I would want to see earnings, cash flow and long-term demand continue to support the investment thesis before adding.

The biggest lesson I have learnt is that buying the dip does not require calling the bottom. I would rather buy gradually, remain diversified and accept that some purchases will inevitably be made too early.

For me, surviving the downturn matters more than perfectly timing the rebound.