When some of our readers got financially conscious, they have already accumulated a large sum of money through different means. A common fear is that they would invest a lump sum at the poorest time and they would have to sit through an unknown period of pain before seeing their money break even. So they would like to find an opportune time to invest. However, the opportune time just would not come along. Then, when the markets start running, they will have FOMO (fear of missing out), and would invest at a high. All of us have different behavioural make-up when it comes to investing. If you are not in a hurry to capture the returns, the sensible thing to do may be to practice diversification through time by time-segmenting your investing in 2-3 different portions over 2 to 3 years. I have not discover any great time-segmentation strategy but...