<prompt> Human: We currently are in one of the longest running bull markets in history and the markets have recently hit record highs. As we all know, if you had enough capital and invested in real estate or the stock market in 20092010 you would have made a killing. If youd invested twenty thousand dollars in the Dow index eight years ago, it would now be worth about sixty-four thousand dollarsIm in the awkward position of looking to buy my first mutual fund during this period of record highs. I was looking for a long term investment 10-30 years; Im already maxing my retirement contributions and my debts are low interest. Im young.What is the wisest thing to do? Realistically, the markets cant keep going up much longer unless Im not seeing a fundamental shift in economic history happening right now. Should I hold off high interest savings until the next market collapse and then rush in to buy?I wont be using this money for a long time, but I want the most bang for my buck. I look back at 2000 and think of all the people who invested money and didnt see any returns on their investments for a decade.  <response>: time in the market beats timing the market. nobody knows what the market will do. 