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Should You Invest At Market Highs?

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A reader, “Joe,” recently wrote:

I’ve been a traditional saver my whole life (55 yr old). Meaning I never informed myself on investing and put my savings directly into the bank. About a year ago I started to feel like leaving my job (I haven’t) and wondered how long I could live on my savings. . .

Market top?

My dilemma is now after a year of researching investing- it seems most asset valuations are very high.

I keep reading that the Fed and central banks around the world are doing (and will continue to do) everything they can to prop up asset prices. At the same time I’m reading people saying there is only so much juice you can squeeze from a lemon and the market is going to drop big. I don’t know who/what to believe.

My question: Is there a safe way to invest into the market without losing my shirt?

We get different versions of this question frequently. Some, like this one, come from people who put off investing until another day that turned into 20-30 years. Other people are just getting out of debt and ready to start investing. Some were working with an advisor and decided to become DIY investors. Others inherited money, received a lump sum payout from a pension, or had a large portion of their money tied up in homes or businesses which they sold.

Regardless of how you get there, many people reach the same destination. You now have money. You want to invest. Markets are near record highs. 

Investing your money is scary. So what should you do?

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