I hope the market goes down for as long as you said it might, but I doubt it. I would love to be investing half of my income in a down or flat market. That would be fantastic!
Dollar cost average the hell of the market right now!
Hold your nose, and invest aggresively thoughout the year for years to come.
If you have a decade of two before you retire….
Long down markets the best time to invest if you don’t look at your portfolio much. Just max out your 401K, max out your roth IRA if you qualify, and max out your HSA account if you qualify also. Put it on automatic up until 5 years before you plan to retire…….
Save and invest every month with your non-retirement accounts, but remember keep liquid 6 months to 2 years living expenses in a bank money market fund. The rest you can invest in a tax free muni fund, or some low cost mutual funds that are tax efficient.
