<prompt> Human: For the past year or so I have been contributing to a target fund in my Roth IRA. Is it worth waiting for when the target fund is low to buy it, or should I continue contributing regardless of the price increase?  <response>: The problem with that is this: when is it low? How will you know its low enough to buy? How will you know that it wont be lower the next day? How do you know it will ever be lower than it is today?You dont know. Nobody knows. Thats why its best just to keep putting money in when you can without trying to time the market. 