<prompt> Human: during the last debt crisis i thought we were going to see a bit more brinksmanship but instead they bailed quicker and i found myself on the sidelines of this run--the dow was around 14,400 at the time i got out i believe.now im either waiting for a downturn to get the money back in, or just accepting it and getting in sometime if its going to keep rising...meanwhile im still investing but the money that was there is just sitting in money markets waiting. id hate to jump back in now at historic highs and then have it drop, obviously...but i sure have been waiting a while.Assistant: This is a poster child example of why market timing doesnt work.Get back into a solid index fund and just leave it there. See our FAQ on investing for more information. Human: i agree with your point, however getting into a solid index fund right now seems like a silly idea all time highs  <response>: You are again falling into the fallacy. Do not try to time the market. Yes the market is at an all time high. Guess what? Most of the time it is at an all time high!Just put the money in. 