Hi! one simple question-how to start? i have some cash,sitting on IRA account,but have no idea how to start. right now,at VIX sitting on multi years low, and every type of securities are at high(both bonds and stocks) i'm not sure,where and how to invest,using vanguard funds. just put all money into some balanced fund? but what if market dips 10-20% -30% right after that? would take forever to reach break-even point. divide cash into equal portions and invest them every month or so? Any advise\suggestion is appreciated. Thank you!