There’s a story many investors tell themselves: “I’ll wait until things calm down.” Or “Let me just see what the market does after the next election.” Or “Now isn’t the right time, I’ll invest when things look better.”

It sounds sensible. After all, no one wants to invest right before a downturn. But the reality? Waiting for the “perfect” moment often leads to missed opportunities and lost time that you can never get back.

Markets are unpredictable by nature. The moments when things feel most calm are often when gains have already happened. And some of the best days in market history have come immediately after the worst… meaning if you sat out the downturn, you probably missed the rebound too.

The data is clear. In Stocks for the Long Run, Jeremy Siegel highlights that missing just a handful of the best-performing days in the market over a decade can drastically reduce your long-term returns. One study from J.P. Morgan showed that if you missed the 10 best days in the market over a 20-year period, your overall return was cut in half.

Half!

All because of waiting.

That doesn’t mean you should throw caution to the wind or invest blindly. It means the most powerful factor in building wealth is time, not timing. The longer your money is working for you, the more you benefit from compound growth, dividend reinvestments, and market recoveries.

Even investing imperfectly — a little at a time, or through regular monthly contributions — is more effective than waiting for the mythical “right moment.” That’s why strategies like dollar-cost averaging (investing a fixed amount at regular intervals) help remove emotion and timing from the equation.

Fear can feel rational. The news can be scary. But long-term planning is built on discipline, not on predicting the unpredictable.

If you’ve been sitting on the sidelines, wondering when to start (or when to get back in), ask yourself what the delay is costing you. Not just financially, but emotionally.

Sometimes, the greatest relief comes not from avoiding risk entirely, but from having a clear plan and taking the next step forward. You don’t need perfect timing. You just need time. If you’d like to put a plan in place or revisit one that’s gone quiet, let’s chat.

Let’s ensure your future isn’t waiting for the market to behave, but is growing steadily from today.