You aren’t timing the market by saying “there will be a correction in the next few years”. That’s the easy part...the problem is try to get in at or near the bottom. What if it takes another few years and the market soars until then? Any correction probably won’t get it low enough to be where it is now. Makes you better off just getting in now, growing, taking the correction hit, and then still be ahead. You could also wait it out for a correction watching the market keep rising and wait for the correction. When you think it is back on the rise you buy in...but wait, it was only halfway down. Then you lose all the market gain and still take on some of the correction. If one could time the market to any realistic accuracy everyone would do it and people would be swimming in money. The fact is it isn’t. If you are looking at a 20+ year investment it’s smartest to just get the money into the market. Only timing of the market I would recommend is in the event of a big market crash or recession. If you are lucky enough to be in a good financial state at a time like that it could be a wise idea to start putting lots of money into the market. Then again that just being at the right place at the right time...not really timing anything. Timing the market is really just sitting around hoping it sees a correction sooner rather than later and hoping you put (or take out) in your money at the right time.