Indeed. Timing a bear market is a waste of effort. Just look at historical returns: more often than not the stock market will be at all-time highs. This has bee

Indeed. Timing a bear market is a waste of effort. Just look at historical returns: more often than not the stock market will be at all-time highs. This has been going on for over a century. Dollar cost averaging (investing the same percentage of every paycheck) is the winning strategy over the medium and long run.