### Comment:
Any strategy that isn't buy and hold or DCA is timing the market somehow.  Sounds like you're trying to time it based on valuation or time the beginning of the business cycle.  If you don't believe in timing the market you would just invest the same amount at the same time interval in perpetuity without even looking at what the market or the economy was doing.  Like once a month or once a quarter dump your 10% into spy regardless of what spy is at or what the economy is doing or anything.

### REPLY:
What if you just got a lump sum? Would you sit on it and wait or dump it all in? DCA isn’t option because it always loses unless there’s a downturn and if you’re expecting a downturn you should just sit it out.

### END.