<prompt> Human: Hi, I have close to 10k that i need to allocate to various index funds within my IRA. I know that time IN market is more important that the actual timing of the investment, but I still am curious if I should wait out the month given the likely rate hikes by the fed. Im guessing that in general, everyone in the market in patiently waiting, but Im curious about the implications of rate increases for a relatively small time individual investor.  <response>: Market timing doesnt work, not now, not ever. It is always the right time to invest according to your asset allocation and risk tolerance. 