Personally, I think this point in the stock market is not the best time to buy funds. If you are familiar with the current stock market, you will find a very strange phenomenon. That is, although the stock market does not have much money-making effect, and even the stock index sometimes falls, the fund's money-making effect cannot be reduced at all.

In the past three months, the performance of many funds can be said to have attracted many people's attention, especially the funds in the military and chip sectors, which really earned a lot of money. Many funds did make a lot of money in this 100 day, and some funds even rose by 30~45% in a month. There is a saying in the stock market that profit-taking is actually the demand and pressure of funds.

Why did the fund plummet at the end of 2020? It was because people saw that the funds in the stock market began to decline, and then there was panic. People began to frantically redeem the funds they held. Now this phenomenon is likely to happen again, but the reason is not because people's funds began to lose money, but because the funds rose too fast, which made people start to have the idea of cashing out. If they buy funds again at this time, they are likely to become takers.

Whether it is the stock market or the fund market, there must be an idea that cash is king. As long as we have money, we won't worry about making money from funds or stocks. So don't think now is a good time. Maybe the pie in our eyes is a trap set by others. It is even possible, so when is the best time to buy a fund?

I think we should wait until the third quarter report of fund companies, stock market and major listed companies comes out, and then we will look at how to invest in existing funds. Now we must realize that there are more and more institutions, more funds and fewer retail investors in the stock market, which means that our stock market is becoming more and more mature.

It also shows one thing. Many retail investors have started this kind of investment fund behavior. Because funds are more mature than retail investors in analyzing news and predicting the future market, people have turned from the stock market to the fund market. But there is also a problem here. So much money, how should I choose? How to choose the buying opportunity? It depends on the trend of the market and the research on the history of various funds, and the forward-looking nature of the stocks and industries held. In a word, I don't think now is the best time to buy a fund.