If they pay attention to the rules of not listening to any random users online in regards to taking prediction on what the next move of bitcoin is they'll be far away from this issue you just highlighted. The fomo has already started long time ago and it seems the peaks has already been reached or it's getting closer. Times like this are very dangerous to invest in an asset but since Bitcoin is highly volatile you can't actually be certain we have reached the peak.

Any investment done now should be for the long term as the possibility of profiting in short term aren't certain since a correction can occur anytime soon. Short term investors can monitor the market and wait for their opportunity to buy in.

The buy-in should be done systematically as the price could fall further after a dump. Retail investors are those buying in right now and a common attribute among them is panic sells which could affect how the market react to a correction.