No. Just invest some of your paycheck whenever you get paid. Over the years you will achieve average results (which is very good - close to 7%) If you have a l

No. Just invest some of your paycheck whenever you get paid. Over the years you will achieve average results (which is very good - close to 7%) If you have a lump sum and little to no money currently invested AND you are nervous then split it up into smaller chunks and invest every few weeks.