After prolonged research on finance and investing I'm about ready to start putting money into actual investment products for a retirement fund down the line. And for a number of reasons I've decided on TD E-Series.
The kicker here is that in about two month's time I'll be able to make an annual payment on my mortgage for up to 20% of it's value (I can put down roughly 7%).
I'm also aware that the stock market seems to be in a bubble these days, and I keep hearing inklings of a recession within the next number of years (although there is obviously no guarantee of this happening).
So my central question is: would it be wise to start setting aside a portion of the money I could invest in E-Series or my mortgage now, and wait until a downturn to enter the market? Or should I start investing in E-Series now. Or alternatively, maybe just put everything into the mortgage until the bubble bursts?