Originally posted by sasguru
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Good news - I am also.
Refer to graph and the peaks. You would be *much* worse now, particular relative to inflation. As I said, don't invest right now if you're new to it, because as you can see the past peaks aren't hugely below the existing peak. Why is it a peak? Companies aren't doing particularly well, consumer loans are much higher, spending is trending downwards. If you invest some huge lump sums in the next 6 months you will regret it. Instead split those into 36 lump sums and invest per month instead; that's far better advice:
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