Sometimes you obviously buy the same fund, but the expected return is different. What causes the difference in expected returns? In fact, the best purchase time of different funds is different, and the expected return of buying funds at the right time may be higher. Today, Bian Xiao will analyze the best time to buy money funds, stock funds and bond funds. Let's read on.

First, the best time to buy a fund.

1, the best time to buy a money fund

Money fund is an ideal cash management tool, and its best buying time is related to liquidity. Usually at the end of the month, the end of the season or the end of the year, there will be a shortage of funds in the market. At these time points, the expected rate of return of the money fund will be higher, which is the best time to buy the money fund.

2. The best time to buy equity funds.

The stock market determines the expected return of stock funds, and the transition from the stock market to the big bull market is the most suitable time to buy stock funds. In addition, it is better to buy equity funds at the peak of a bull market than at the end of a bear market.

3. The best time to buy a bond fund.

The expected return of debt funds is related to monetary policy. When the market interest rate of loose monetary policy is low, buying bond funds is the right choice. In addition, when the stock market is depressed, it is also a good time to buy bond funds.

Second, the time point to pay attention to when buying funds

When buying a fund, try to make a decision before the close of the afternoon, because the stock market fluctuates greatly, so you can see the situation clearly before the operation. In addition, money funds purchased before 3 pm on Thursday can enjoy the expected weekend income. Try not to buy money funds on weekends to avoid idle funds.

Conclusion: Choosing the right time is also an important point in the process of buying funds, which can help you get more expected returns.