Should I buy into an index fund while the market is at record highs, wait until it dips again, or does it even matter?

I put 15 percent of my salary into my 401(k), which reaches the $18,000 max, and also have a Roth IRA that has the max of $5,500 in it. After months of research, I’ve decided to invest in an index fund, but I can’t determine when is the best time to invest. Should I buy into the fund now while the market is at record highs, wait until it dips again, or does it even matter?

Investing, 401(k), IRAs, Mutual Funds, Starting Out
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September 2018

Timing matters....a lot. However, taking advantage of that little tidbit of information is not so easy. Fortunately for you, when you put money into an investment on a regular basis, you are taking advantage of dollar-cost-averaging.  For more information go to this link: 

https://www.investopedia.com/investing/dollar-cost-averaging-pays/

Simply, as the market drops you are actually accumulating more shares with a fixed dollar investment. When investing in funds, it is about share accumulation. Price will take care of itself over the long run

Bill DeShurko

Invest@FundTraderPro.com

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September 2018