[PragmaticPulp]

> Is now a bad time to put 20% of my savings into the market?

You're getting a lot of bad advice here, but you also haven't given us the full picture.

First question is: What is your goal? Are you planning to invest this money for retirement and not withdraw it for several decades? Or do you expect to need these funds for some major purchase in the next 5 years? The answer to that question will greatly influence the correct course of action.

Second, what's your risk tolerance? Most people don't know their own risk tolerance until they see their portfolio drop 20% like this. If you invested today and the market dropped another 20%, would you be able to sleep at night? Would you be tempted to panic sell to limit your losses? Would you check your balance so much all day every day that you can't perform well at your job? If so, you should start slower with something like investing 1% of your savings per week. Do not invest that entire 20% all at once.

[dennisgorelik]

> 1% of your savings per week

That would allow to invest what he wanted in 2 years. But the market is likely to ~80% recover in 6 months.

> Most people don't know their own risk tolerance until they see their portfolio drop 20% like this.

Yes: risk tolerance is a very important consideration - thank you for explaining that. But how to find that limit to the risk tolerance in a reasonable time?

I'd suggest ~1% of portfolio investment per day, but only on down days. Do not invest on up days.