2. No one can guarantee to buy the fund with the lowest price, but only choose the opportunity to reduce the buying cost. As long as you hold it for a long time, not for the band, it's actually the same when you buy it. Persisting in long-term holding is definitely higher than the return of holders who often convert, redeem and repurchase.

3. It is difficult to determine whether it is the best place to buy now, but I believe that the period from now until the end of the year or early next year is definitely a good time to set foot in stock funds. Therefore, everyone can take advantage of the market shock and choose excellent varieties to buy in batches. If you want to hedge, you can consider buying a bond fund that plays new shares.