Well to me it really depends on what kind of investments you are looking at. I've bought stocks this summer that are enormously underpriced. I also plan to hold those forever, or approximately that long, so if the markets do take a dive I'll buy more.
If you're investing in index funds though you have some decisions to make. Clearly you're investing there for the thrill of the average return, nothing more and nothing less...while that is fine when the markets are rising you might not enjoy the ride down as much. No one really knows whether the markets will drop, but a lot of people seem to think we've gone too high too fast.
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