<prompt> Human: I have a tIRA 25k that is invested in a bank CD earning peanuts. Well, maybe peanut crumbs. I opened and planned to transfer to a Fidelity Market Index Fund when the CD matures in April. But all this volatility has me questioning that move. Am I crazy to be considering a jump into the market right now?  <response>: Its a sale if youre investing long term. Math shows investing at any point is better than waiting in the long run. 