<prompt> Human: Im seeing a lot of talk about a looming dip in the market. Im planning on dumping 30k into a taxable fund today. Would I be better off waiting 6 months or so, so that if the market drops as predicted, I wont lose so much of my initial investment? Im a bit nervous. Any thoughts?  <response>: I predict that the market will in fact go down, unless of course it goes up or stays the same.No one can predict the stock market. Dont bother trying, itll just drive you nuts. Diversify your holdings, and dont go 100 equity if you arent comfortable with the potential losses 40 loss in 2008. So hold some bonds if you want more security, or leave some in cash and some in the market.Presently I have almost all my money in some investment vehicle of some kind and Im doing pretty well at the moment. 