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A better analogy is to think of it in terms of trains.
If there is a train and you decide not to get on it but get on one a couple of hours later, your watch still says the same time as if you had got on the first train. But you won't get to your destination until a couple of hours later.
Same with investing - if you decide not to invest you'll still have as much cash, but you won't reach your investment goals until later in life. Unless you get lucky and the market tanks. But the odds are against that happening.
frank9755
Another way to think of it, is if you move 10k to cash and the market moves up 25%, you've still got 10k cash.
You're only risking potential earning, which isn't really risk at all imo when you think of it in terms of cash.