The old adage, “it's not about timing the market, but about time in the market,” has been proven true over the years. Research shows that those who stay invested over the long run in a well-diversified portfolio will generally do better than those who try to profit from turning points in the market.
你要是预计每年都有年终奖, 明年拿到钱一起投了没问题的, 因为你后年还有奖金. 每年初投20万相当于定投. 长期来看time in the market is more important than timing the market.
要是你知道2024股市是涨还是跌, 当然就不一样了.