I don’t engage in market timing. I have been purchasing shares in high quality companies that have a history of paying and raising dividends almost every single month since early 2010. This means I’ve been sticking to a strategy of valuing individual stocks, rather than trying to value the overall market. I’ve purchased equities when the Dow Jones Industrial Average has been below 10,000 points and I’ve also purchased equities when the DJIA has been above 13,000 points, as it is now. I buy monthly because it’s a fairly holistic approach to investing, ensuring that I’m not trying to time purchases. I don’t let the market really guide me, rather I let individual securities and their pricing guide my purchasing habits.