Kiplinger

How to Invest Intelligently: Work Smart, Not Hard

Every month or so, I get a call or an email from an investor who sold all his or her stocks during the 2007-09 market meltdown - often sidestepping most of the damage - but has never gotten back into stocks.

The callers invariably say they want help in getting invested in the stock market again, but just as invariably, they never follow through. Their money sits in a bank account earning virtually nothing. Retirement recedes further and further into the future.

Market timing, unfortunately, is the

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