I don’t think moving all your savings into the market right now is a great idea, have you heard of trying to catch a falling knife? Then again you are young so you can take a few cuts. You could buy treasuries or put it in a high yield savings or CD if you don’t want any downside risk. The price of DIV can easily drop more. 6 months from now might be a better time to invest. Wait for the down trend to end.