Is now the right time to invest? By Consilium.

It’s the question every financial adviser hears — especially when markets are hitting record highs and headlines are warning of a potential downturn. Many investors worry about “getting in at the top” and would prefer to wait for a correction before committing their money.

But history tells a different story.

Looking at nearly a century of data from the S&P 500, research comparing investors who bought at market highs with those who waited for a 10% drop shows something surprising: on average, investing immediately has delivered better long-term outcomes than trying to time the market.

While short-term movements are unpredictable, markets have tended to rise over time. And the real risk often isn’t investing at the “wrong” moment — it’s waiting for the perfect one and missing out altogether.