I am looking at start long term regular investment (monthly/quarterly) for next 10-15 years to build up my retirement kitty in a US equities based index fund like IVV and NDQ. I am waiting for dip in US market to make a lumpsum investment of $20k-$50k and follow it up with regular $2k-$4k monthly investment. But both IVV and NDQ have been relentlessly moving upward for last 3 months ! My options 1. Be more patient and wait for the next dip , may close to US election 2. Start investing with $2k per month now without any upfront big lumpsum investment. Invest lumpsum amount whenever next big dip comes 3. Invest in VAS now or individual quality but beaten down stocks like Qantas, CBA, Westpac, ANZ and NAB now - may $20k in total and begin invest in US index funds whenever next dip happens Both myself and spouse at highest income bracket but have nit accumulated any wealth in form of stock or property yet.