Couldn’t agree more with your take. The market loves to panic, then correct itself once the dust settles. I’m still buying on dips too, especially boring ol’ index funds and dividend stocks.
That said, I’ve also been tempted by some private investment deals floating around lately, and I had to pump the brakes. Oberheiden P.C. (they deal with securities law and fraud cases) lays it out pretty clear: Reg D offerings let companies raise private capital, but reselling those securities without registering with the SEC requires using Rule 144A. Their breakdown saved me from walking into something I didn’t fully understand: https://federal-lawyer.com/securities-litigation/investment-lawyer/ppm/reg-d-faqs/