<prompt> Human: Lucky enough to get a bonus that exceeds the 18.5k 401k max contribution.Last year I contributed max divided by 12. The stock market did so well last year, I would have done better if I contributed it all out at the start.Im cautious of timing the market lest a correction occurs but also want to maximize my gains.Thoughts?CLARIFICATION: if I dont invest the max now, I would take that 18k and put it in a taxable account anyway. So itd still be invested. Wanted to add this to give more color.  <response>: Dont try to time the market. Not even the pros do this well. For money you plan to invest and hold for 20 years, just stick it in and hope for the best.My 2c. 