<prompt> Human: I have automated my contributions into my Vanguard IRA settlement fund and then automated investing those contributions into various indexed funds. I like the simplicity of my current setup.Ive been thinking, would it make sense to hold my money in the settlement fund and invest it only when the market dips?  <response>: No. You could potentially miss out on a big climb before the next dip. The next dip may not take it below the current level. Dont try to time the market. 