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.
你要是預計每年都有年終獎, 明年拿到錢一起投了沒問題的, 因為你後年還有獎金. 每年初投20萬相當於定投. 長期來看time in the market is more important than timing the market.
要是你知道2024股市是漲還是跌, 當然就不一樣了.