Just buy when the money is in the account. Don’t try to time the market. You might buy when it is “down” only for it to drop further. You’ll never get the timing correct on a consistent basis (even “professionals” don’t get this right). Even worse, if you weren’t invested in the market on just the 50 best days out of the last 40 years (that is over 10,000 trading days) you would have missed out on over 90% of the gains. Stay invested.
