<prompt> Human: Suppose I have a few extra thousand dollars in cash that I wont need for another few years. With the stock market down 10 would it be reasonable to put the money in now? Maybe once its 15 down? 30 down? Is this something intelligent people do, or is it just trying to time the market? I feel I already know the answer but am curious more to hear from people who choose a certain percentage drop before dumping some extra cash in the stock market.  <response>: Intelligent people invest regularly and stay the course. Swings in the market are meaningless to seasoned investors, because theyre a blip on a 30-40 year time scale. 