[vishenda]

Good day sweety

The best time to invest has to do with interest rates. If you think they are going to go up, don't invest. If you think you think they are going to go down, then invest your money.

They say not to invest your money in mutual funds in December because you are being charged for other peoples fees that were in the fund for the whole year. Better to wait until the new year. But I find that there is alway a mini rally in Nov-Dec. People feel good around Christmas and stocks usually go up. Likewise, sometimes when the weather is dark and gloomy for long periods, people get down and stocks go down. Sometimes stocks go down in the summer when people go on vacation. That didn't happen this year, there was a rally. So, you never know. To me, its all about interest rates.

The friend is partly true that the spring time is the most favorable time to invest, not in May but before April 15th is "ideal" to invest in the stock market.

You don't have to invest in the stock, go with a bond or a CD until you want to invest in the market or let it cool off. But there are plenty of ways to invest in the market even when its at its highest. So check it out. Its much better invested than in a checking account somewhere.

Hope this helps