Am I doing the right thing to sleep on my 100K in savings until stocks and a real stock market crash to invest?

The important thing is to plan for the future with what you currently have.

And also do not have.

if u do not have something, work for it.

you do not necessary have to risk what you already have for something you do not have.

Hope this reply can give an idea ya.

The objective is to grow and not throw.

Have a diversified investment portfolio. Apply dollar-cost averaging to put statistics in your favour. If have 5-digit cash to invest, consider investing in currency-neutral assets such as property and fine art.

First we need to understand simple rules of investing..

1. Equities always outperform all asset classes.
2. Market will crash.
3. Market will rebound.

For people who are procrastinating because of the volatility, you might miss the boat.
You can start of by using this simple yet effective technique call dollar cost averaging.

I think this is a question of rebalancing your portfolio.

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Here's how i split my holdings:

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Equity (Stock market) - Currently the highest because it is still at the tail end of the up market. I'm also trading in and out (for US stocks) instead of holding long term since the "crash" might come soon.

Bond (SSB / CPF) - Relatively safe, dont have SSB but treating my CPF as my bond portion

Cash - In a high interest rate savings account (DBS multiplier)

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You can rebalance the % of the holdings based on how soon you think the "crash" is coming. If you think it's this week, then maybe reduce the equity holding and put more into bond / cash. :)