I'm confused about what to do because I know the moto is "buy low, sell high." For the first time in my life, I could potentially contribute the max to my 403b. I'm 34 yrs old and behind where I should be b/c I took 5 yrs off from working/contributing, to change careers and complete my doctorate in physical therapy. I will be making ~75k this year and ~82-85k in 2018. I only have ~3k right now in an IRA, < 1k in a old 401k, ~17k in cash savings, no CC debt, and half of an inherited investment property (~175k is my asset amount from this). I have great job security and would like to save for a down payment on a home, so despite being behind where I should be with 401k/403b savings, I don't want to dump all extra money into my company's 403b, especially with the market at an all time high. I am in a target date account with Fidelity and have never done my own investing so I am not sure what stocks my contributions would be buying. If they are put towards stocks that are very low now, that would be great, but I do not know how to analyze this and am thinking it best to contribute enough to get my employer match only and save extra money else-ware (HYI savings, ROTH IRA, etc)-thoughts?