We hear this question all the time—and the truth is, it depends on your time horizon and goals. But here’s a helpful perspective:
Time in the Market
Trying to wait for the "perfect" time can cause you to miss out on long-term gains. Historically, markets recover—and grow—despite periods of volatility, recession, or political uncertainty.
Dollar-Cost Averaging Can Help Reduce Risk
This strategy means investing a set amount of money at regular intervals. Over time, it can help average out the cost of your investments and reduces the risk of buying at a market high.
When Might It Not Be a Good Time?
If you need your money in the very short term (under 2–3 years), it's usually better to keep it in a safer, more liquid account rather than investing it.
Long-term success doesn’t come from guessing the market—it comes from having a plan. Let’s talk about building one that’s right for you.
**All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. Dollar cost averaging will not guarantee a profit or protect you from loss but may reduce your average cost per share in a fluctuating market.
Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity.
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