We get asked this question by many clients and there is no perfect answer. Unfortu-nately we do not have a crystal ball. How-ever if you look at the graph below you can see that if you invested more money when-ever the market was below the trend line you would have picked some very good times to invest. You may still lose money in the short term as would have occurred in 2002, how-ever in the long term you would be happy with the result. At the time of writing this newsletter we believe the market will present buying opportunities over the next 2 months. You can take advantage of this through managed funds or direct shares. Please contact us for more information.