Someone asked this question recently "when is the best time to invest" Sure it seems like a simple question. My reply to that would be "when you have the money" "Huh?" was the response I get. Let me elaborate my conversation here in point form: 1)  "when you have the money" means that this money is saved from the monthly salary or when a company gives the dividends as cash, or when one gets his year end bonus etc. Definitely not on credit basis or contra intentions. 2)  anytime is a good time to invest, though at market highs, there might be less opportunities, but that does not mean no opportunities. Opportunities mean: a) undervalued stocks - finding stocks which are undervalued or forgotten by most people, and yet has strong dividend history. Getting paid while waiting with some form of capital protection is definitely not a bad idea. ......