Fun (and factual) little investment scenario:
If you came into a large sum of money...i.e.
A $50K commission check...
Would it be better to put it ALL in the stock market immediately?
Or spread it out (Often referred to as Dollar-Cost-Averaging)?
The answer:
Put it ALL in the market immediately.
At least, this is the answer about 2/3 of the time.
Typically there is about 3.5 yrs between "bear markets." Meaning, more often than not, the stock market is rising, so if you got in early (i.e. invest immediately vs wait), you are more likely, more of the time...to have a larger sum of money by the end of year when investing that commission check immediately.
Now go out there and get those commission checks. 馃槈