I don't believe I can time the market. In 2008 I learned my lesson. I had switched jobs with options that would expire 90d after I left. So I exercised them

I don't believe I can time the market. In 2008 I learned my lesson. I had switched jobs with options that would expire 90d after I left. So I exercised them & put a decent chunk of change in the S&P500 somewhere in late summer. Of course, this was just before the '08 crash, and over the next few months I watched as my investment was cut in half. I didn't see, but I hold off investing more. My only regret? Not investing more. Earlier this year, after COIVD hit, a lot of friends started to sell. It was obviously too late to avoid the initial damage, but would avoid any further losses. Me, I just kept buying. I vest stock from my employer monthly & the proceeds go to the S&P500. I'd be doing it for years, and having learned my lesson in 2008, I stayed the course. I had no idea what would happen. I was fully aware the market could drop further in late 2020. But since my time horizon is a bit out there, I figured I'd be able to recover. It ended up a pretty good year for me, whereas not-so-great for my friends.