One further point: I've been in the business for 35 years and retired for 16 and can tell you categorically, YOU CANNOT TIME THE MARKET. Anyone who tells you otherwise is deluded. Whatever money you invest in stocks must be for a very long period-at least 10 years. If you plan on using it before this period expires maintain in cash. Stock investments best made through index funds such as vanguard or dfa. Not that tough really.
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