1. It's better to invest in a passive fund, and don't think about when you can earn more. Make a small investment every week or month, stick to it for a long time, regardless of temporary profits and losses. As long as you insist on making long-term investments, you can definitely beat inflation easily.
2. If you buy an active fund, if you can tolerate short-term losses and hold them for more than three years, then timing is not very important to you. The main reason for the loss of fund investment is chasing up and killing down. The investment strategy of the fund should be to stop profit and not stop loss. As long as they can tolerate huge short-term losses, investors who insist on long-term investment will be able to sit on the Diaoyutai.
There is a good saying: "It is better to know how to sell than to know how to buy. It is the apprentice who will buy and the master will sell. " Everyone can buy at the right time, but in the days after buying, it can be said that they are in fear, hoping that it will rise and fearing that it will fall. This is human nature. If you earn more, you want to earn it back I believe that friends who have bought stocks have experience. So this is also the reason why many people choose investment funds when investing in stocks. Regardless of the short-term fluctuations in the market, adhere to the fixed investment of the fund and do not care about the market ups and downs.
To sum up, fund investment does not need to choose the right time, but more is to choose valuation. If the valuation is low, you can vote with confidence, and if the valuation is high, you can sell it. As long as you buy a good fund, it doesn't matter even if you buy it at a stage high point, even if you don't lighten up your position during the plunge, because it will definitely hit a new high in the medium and long term.