When is the most profitable time to buy a fund? Funds are investment tools that don't need to be timed. I often meet someone who asks me, "Can I make money by buying funds now?" "When do you think it is best to buy a fund?" or "Is it better to buy a fund in a bull market or a bear market?". Whenever someone asks me this question, I will only say that as long as I have spare money in my hand, it is the most suitable time to buy a fund, because the fund is an investment tool that does not need timing. Many people are puzzled. That's because most domestic investors are still retail investors, which is also a typical speculative mentality. In a bull market, they rush in, but in a bear market, they have no time to avoid it and toss back and forth. We should establish a very important concept for investment funds, that is, long-term investment income. < /p > There are many kinds of funds, including stock funds, index funds, bond funds, money funds and some mixed funds based on the middle. < /p > The risk of fund fluctuation mainly comes from the risk of stock fluctuation invested by the fund. < /p > For money funds and bond funds, the fluctuation of the stock market has only a little negligible influence, so no matter when you choose to invest, it will not have a big impact on you, and these two funds themselves are very low-risk varieties. < /p > Then let's look at the funds that invest in stocks. < /p > In fact, fund investment is also a reflection of the concept of diversification, and its fluctuation range depends on the size of investment stock positions. The risk is much lower than that of stocks. If you are still afraid of risks, you can choose money funds and bond funds with low risk coefficient. In a bull market, we can choose stock funds to obtain excess returns in the market. In a bear market, although the net value of funds will decline, it is a good time for us to increase our positions, and we can spread our costs, wait for the market and walk out of a perfect smile curve. What is a smile curve? For example, I bought a fund with a net value of 1, yuan in 2 yuan, and then the net value fell to 1, yuan, so I bought another 1, yuan. If I didn't have the 1, yuan I bought later, I would have to wait until the net value rose back to 2 yuan, but because I made up my position once, I had already returned to my capital when the net value rose to 1, yuan, and I made a profit of 5, yuan when I rose back to 2 yuan. This is the smile curve, so we can buy funds no matter what kind of market. < /p > To buy a fund is to ask professionals to help us manage the funds. When the market changes, the fund manager will actively adjust the stock positions and strategies to reduce the risk of market fluctuations. < /p > As has been emphasized before, fund investment focuses on the future long-term returns, which can level the risks brought by short-term fluctuations of stocks. The average annual return rate of the fund market is about 12% (this return is not necessarily achieved every year). But the average annual income of long-term investment funds), not to mention reaching the average income level, we calculate with an annual income of 1%, and also take out 1, yuan investment funds. One person starts at the age of 2, and another person starts at the age of 3. By the time they are 6, the former has more than 54, * *, while the latter has only more than 19,. Therefore, the earlier the fund invests, the more money it makes.