Every day for 20 years, this lady prayed to win the lottery. Every single day. Finally, in despair, she said, "God, I've been a true and faithful servant, and I have lived an exemplary life. Why won't you grant me this one thing?"

"Look," said God, "at least meet me halfway -- and buy a lottery ticket."

Buy the ticket
Similarly, to take advantage of the greatest long-term wealth-building machine available to us individual investors, you have to be in the market. And if the current craziness is keeping you away because you fear a huge drop, you're ignoring the advice of some of history's top investors.

In the latest edition of his book Stocks for the Long Run, Jeremy Siegel charted returns for a hypothetical unlucky investor who happened to invest at the absolute top of six major 20th-century market peaks. After 30 years, this investor actually accumulated four times more wealth in stocks than he would have in bonds, and five times more than in T-bills. For a 20-year period, he doubled the bonds' return.

There's more where that came from
Consider John Templeton, who, sadly, passed away last year. The founder of Templeton Growth Fund and a man widely regarded as one of the best investors of his generation, Templeton had some simple advice about getting into the market: "The best time to invest is when you have money. This is because history suggests it is not timing which matters; it is time."

Our own David and Tom Gardner, who've beaten the market by a tremendous amount in Motley Fool Stock Advisor, also eschew any attempts at timing the market. "The best time to invest was yesterday," says Tom. "The next best time is today."

So even though the tongue-in-cheek title of this article implies that you've missed your best chance, you can see that you really haven't. If you have money you won't need for five years or more, just get in the game as soon as you can.

Still need convincing? I looked back 10 years, specifically searching for companies that had been up 25% or more in one year. Surely many investors back then were worried that stocks were too rich and ready for a great fall. Well, a gnarly bear market did start up a couple of years later, and yes, these stocks fell. Yet despite their tremendous prior one-year gains, and despite two great bear markets, their returns were gratifying for those who held for the long term -- especially considering that the market lost a quarter of its value in the meantime.

Company

Sept. 1998
to Sept. 1999

Sept. 1999
to Sept. 2009

Green Mountain Coffee Roasters (NASDAQ:GMCR)

49%

6,817%

Goldcorp (NYSE:GG)

28%

1,627%

Boyd Gaming (NYSE:BYD)

27%

77%

Celgene (NASDAQ:CELG)

191%

2,487%

InterDigital (NASDAQ:IDCC)

67%

250%

Echelon (NASDAQ:ELON)

39%

57%

McDonald's (NYSE:MCD)

32%

33%

S&P 500

31%

(24%)

There are no guarantees
While some of the companies above have not returned to their all-time highs of 2000, history shows that if you can find superior businesses with good management, hold for the long haul, and add new money regularly, you will rarely be disappointed.

That's the advice David and Tom give to their Stock Advisor members, and they help their members with not only new recommendations each month but also the top five stocks to buy right now. They've been at it a long time, through bear and bull, and their recommendations are beating the market by an average of 45 percentage points each.

Right now a special no-obligation free trial will give you access to all of these stocks and more. Here's more information.

Rex Moore is an analyst for Stock Advisor and thinks now is a good time to buy stocks. He owns a lot of stocks, but none mentioned in this article. Green Mountain Coffee Roasters is a Motley Fool Rule Breakers selection. InterDigital is a Motley Fool Stock Advisor pick. This information is brought to you by the Fool's disclosure policy.