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Subject:  Re: IRA Direct Transfer - Questioning my Decisi Date:  5/9/2013  1:12 PM
Author:  Rayvt Number:  72218 of 88542

But the stock market is at an all time high, so am I investing at the wrong time? Am I being a complete fool investing when the market is high?

How many years will it be until you retire?

Pull up a 30-50 year chart of the S&P500 or the DJIA -- log scale for the correct perspective.
Like this:

Now go pick any 20 year period where the beginning of the period was an alltime high, and ask youself if at the end of that period you'd have regretted buying at that high.

Can't find any, can you?

And those charts ignore dividends, which over the long term account for half or more of the total return.

FWIW, including reinvested dividends, the LOWEST 20-year-period had an annualized return of 5.7%. The average of all 20-year-periods was 10.3% annualized return.
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