All markets are at *all* time highs. What is an average investor to do? Is it too late to get in? Is it time to take profits if you are fully invested? In the last 15 years there have been two spectacular crashes, the hard memories still linger, which makes these decisions even more gut wrenching.

What to do? How to break the break the cycle of inaction?

I follow the rule of half. Stick to your plan, but halve the amounts. If you invest on a monthly basis (which you should, dollar cost averaging is your best friend!), halve the amounts. This way you are hedging your bets. In the case the market turns, you have some extra cash in hand to buy into the panic. If the market is going up you are still invested periodically and can ride the wave.

If you are fully invested, take some profits off the table on positions with huge outsized gains (be tax aware tho!). Again hedging your bets.

You can never time the market, so a fixed rule strategy is the best thing!

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