financial planner Stephen Zelcer

Q&A - Should I wait until the market cools off before I invest?​


Good morning Stephen,
In our meeting the other week, you advised me to move my TSP out of the L2030 fund and into a more aggressive portfolio, mostly C & S funds.  

I was thinking, since the stock market is doing well, should I wait until later so I can buy C and S funds at a cheaper price?

Thank you in advance for your advice.


Great question! 

It’s essentially a market timing question, though.  And I don’t know how to time the market.  The market may be lower next week, or next month, or next year.  I just don’t know.  But, whatever the price is today, it is lower than what it will be in 10 years.  This has been the case 96.5% of the time.  

So, I’d say to get your money in there, asap. 
I hope this helps!


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