With all the market fluctuations going on, it a good time to park my money in a roboadvisor now? Appreciate any tips!

It depends on the risk-level selected also. If you were to select a lower risk tolerance level. A large part of your capital would be allocated to highly liquid, short-term instruments such as money market funds that aren't as volatile (lower risk but lower returns).

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Upside: Roboadvisors would rotate your money around different asset classes & different geographical locations.

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Downside: Depends on the expertise of the roboadvisors, they might do bad calls as well e.g. Stashaway that didn't rotate out assets from HK market during the downtrend.

• When the US market tanks, no matter where you put,everything will tank, bonds and equities.
• robo have the same exposure, so i doubt it wont tank.
• You can either protect your portfolio by diversify into the boring dividend stocks that will continue to generate cashflow when maket tank (receive your returns as dividend) or using more advance hedging strategy using option, tail risk hedging.
• You have only 2 type of returns when you invest: capital appreciation and/or dividend.
• And always stay invested and be consistent at all market condition