TIP: Regular investments also benefit from cost averaging
With financial markets declining, prices of mutual fund units tend to decline as well. The regularly invested amount thus lets you buy more units. On the contrary, when the markets go up, prices of fund units rise and we buy less units for the same amount. In the long term, these fluctuations combined with regular investments result in cost averaging. Having this principle in mind, you do not need to think about the best moment to start your investments; anytime is the best time to start with regular investments.