Regarding the most appropriate time to get involved in buying funds, I want to say that it is not necessary to pick the right time, the sooner the better. If you are facing a bull market, do you want to buy a fund? I can only ask you, if the market suddenly turns sharply, can you take the risk?
The upward bull market is like an inflated balloon. As the balloon gets bigger, the risk of explosion will become higher and higher. We don't know when the balloon will suddenly explode. If a balloon suddenly bursts and the bull market plummets, can you stand it? This endurance has two meanings: objective economic endurance and psychological endurance.
First of all, it is objective and economical. The development of domestic investment market is not long and immature. Most investors are still in the stage of speculation and immaturity, and their investment experience is not rich. They think that since it is an investment, they must make money. Investment habits are like gambling. When the market is good, they will enter the market and make a lot of money. It is expected to get a new car or buy a house. If they are not good, they should enjoy life and reward themselves. There are crazier people. When they saw that everyone said that a bull market was coming, they put all their wealth into the fund market, hoping to make a turnaround overnight. However, buying a fund is not a business that only makes money but bears the risk of loss. People who buy funds with this idea of only making money but not losing money advise you to withdraw from the market as soon as possible, put your money in the bank and buy wealth management, otherwise it will be ugly, and no one can accurately judge when the bull market is coming.
The second is psychological. How much money to lose is psychologically acceptable. Making money, of course everyone is happy. I can't make much, but what if I lose money? Some people have a correct attitude and are sober. They know that risk and return are twin brothers. Since they want to earn so much money, they should accept the possibility of losing so much money. Some people lose a little money and start to suffer like cutting meat. Such people still suggest that whether it is a bull market or a bear market, they should consider financial management in a stable and capital-saving way. If you are not particularly clear about how much risk you can bear, I suggest you make a risk tolerance assessment and know who you really are.
If the balloon in the bull market bursts, whether you can bear the consequences is your bottom line, which determines whether you are suitable to buy funds in the bull market. If you think clearly, the answer will be clear.