My guess is that even if the "day" finally came, you'd either still think the day hadn't arrived ("It will get worse!") or would still be afraid to put the money in. Honestly, I'd just hang on to it at this point, because if you put it in now, and the market tanks, you might be psychologically twisted forever. Keep what you have in cash and just start investing all your new money as fast as you can, so psychologically you're still a genius who hasn't been proven wrong yet.