My foreign colleague out of nowhere asked me last week if “NOW” is the right time to invest? Many seasoned investors will tell you there is no right time to invest. You should just “start” investing young, and the longer you are invested in the market, the better the investment. THIS IS TRUE! Nonetheless, it is not fair to totally discount when to invest? For instance, is it better to invest before Covid End 2019 or now? The answer is straight forward. Then there is another school of thought, that I am waiting for the stocks to fall further before buying? This is plain silly. You cannot predict the bottom! Rewind a decade or more, let’s say end 2007 just before GFC, you invested in Dow at 14K and Nasdaq at 2.8K. Back then, you will probably go berserk after your investments!  This is because Dow and Nasdaq will continue to fall until they bottom at 7K and 1.4 respectively....