It is not too late for you to buy bitcoin right now, and keep holding it. Because this year it's price already jump 3 times since january. Don't you think it will be more valuable next year or in the future? You can wait for a little dump or even a huge dump, but you need to watch it's price movements all the time, because you'll lose it if you not. If you're an employee, you can use some of your money every week or every month to invest it in bitcoin, it's better than you keep it in the bank, though it will be safe there, but bitcoin is more profitable. it's your call now.