Let us imagine that you have a plan to be a wise investor and use your funds to make strategic deposits into your various investment funds. You’ve heard about the investment strategy of buying any time the market is low with the plan of selling when the market turns upward.

This might seem like it’s a simple and straightforward approach for maximizing investment returns—the problem is, no one knows exactly when these downturns and upturns are going to take place until they’ve already happened.