<prompt> Human: Ive read so many discussions on here about boggles 3-fund index and completely understand the diversification. However for me, 25 year old who is just starting my career with a 5 employer contribution at no matching, I feel a little nervous about the market right now to jump fully committed into contributing additional money. I want to do a split of 70 US 20 bonds and 10 international. However all I keep hearing from people is the market is completely over valued and feel like a drop in the market will happen sometime in the next year or so. Historically there has been 2 drops in the past 15 years March 2000 - Oct 2002 and Oct 2007 - March 2009 and I feel we are due one very soon. Just looking at the SP today we are literally at an all time high a point or 2 off. My concerns are if I invest into VTSMX IRA and VINIX 403k right now at the all time high I feel like I will have to wait a lot longer lets just say 3 years after the drop to recoop where I initially started at the high. I had two plans that I felt I would take advantage of the drop if and when it does start to happen. 1 Still go forward with investing in the US stocks but switch to a short the bond when the market start to drop Maybe wait a month to see the continual decline 2. Invest in a short term bond now and once the drop hits I could buy in at a lower number. My question you you, PF, is would it still be a smart idea to invest in the US market right now with my 403k and IRA? Any help or insight into your ideas are great.  <response>: You are 25, start investing now. Even if the market drops, it will come back up before you take your money out. Dont try to time the markets because you will fail. 