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with the market, there are fluctuations but that's why investors typically buy periodically not just enter the market at one point, whereas with housing, the price you pay is your entry point, there's no dollar cost averaging with housing. you buy high, some day you sell high (hopefully). with stocks, you buy high, it goes low, you buy low, it goes high, you've made some money in the middle too.
with your apple example, you'd be buying apple on sale in april 2013. in some cases it works much better in your favor, so it's a bit more complicated than what you've stated.
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