The Globe and Mail reports in its Tuesday, Feb. 21, edition that investment portfolios have done well of late. The Globe's Terry Cain writes that it has been difficult for anyone to lose money over the past year or so. The record highs, however, for equities have many market analysts predicting a challenging 2017, noting the market is overdue for a dip. Woodgate Financial consultant Jason Pereira believes it is a mistake to hold off on investing in your tax-free savings account (TFSA) for this year. He says: "Trying to pick a market top is as hard as trying to pick a market bottom. At the end of the day it's about time in the market, not timing the market." Canaccord Genuity Wealth Management manager Kim Inglis raises a different (but related) issue. She says, "I find that investors who are waiting for the perfect time to buy never actually pull the trigger and then end up missing out on the biggest gains." She says investors should not be afraid of a looming market dip. "If an investor has a long-term time horizon then a short-term pullback will be inconsequential by the time they need the money." She says investors should remain focused on their long-term goals and ignore short-term noise.