Do you believe in dollar cost averaging or lump sum investment? Over the past few years, I’m a firm believer on the former. But do I practice what I preach? That’s a whole different story. The ammunition is there but no bullets were fired While I’m consistently socking money away in my investment war chest, I found that I’ve not made a single transaction in my online brokerage account at all this year. *The horror!* It’s not that I don’t have money to invest in my portfolio but the reality is that I’m still a novice when it comes to investing in the stock markets and the number 1 problem with newbies like me is that I keep trying to time the market. Now this is a flaw that I recognize that I have and unfortunately I just can’t seem to help it! *sad face* ......