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[quote=Anonymous][quote=Anonymous]OP again.  Thanks to those who responded.  I guess my real question is whether I should buy funds now or leave the cash where it is for now and buy in after a major correction.  I've always heard buy low and sell high, and right now, it seems that the market is high.  On the other hand, I've also heard that non-experts shouldn't try to time the market.

Maybe I'll try buying into stock funds a little bit each month, to hedge my bets.  I just don't know a thing about other investments that are supposed to be good for small investors in an over-inflated market.[/quote]

Don't try to time the market, and espeically if you're in it for the long haul (i.e. you don't need the money in the next 5 years).

Here's the simplest solution: They have mutual funds that are based on when you plan to retire. Lots of companies have these, and they even have some as ETFs.

http://us.ishares.com/product_info/fund/overview/TZI.htm

That's an ETF with target retirement date 2025, and they have other funds with different dates.

The benefit of these is they rebalance the funds as the date approaches, as the risk profile will change over time.[/quote]

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