Stock market is a pool of cash. However not everyone have the skill to invest in stock market. Most of them listen to what their fellow traders' insiders news and start the trade. Invest in stock market can be risky, but if you take your time learn the behavior of the stock market, eventually you will be a professional investor in the stock market. Just like driving a car, driving can be risky. But if you are careful, take time to study the character of the car. You'll be a good driver. As what Robert Kiyosaki said, "Driving is risky, but you don't have to be a risky driver."

There is no particular time for investing in the stock market. There is always money to make when the market goes up or even goes down.