When buying Exchange Traded Funds (ETFs), the 4-cycle investment approach can help **when** the time is to buy ETFs to avoid temporary and seasonal fluctuations of capital markets. How can one know whether the current ETF price is high or low at the moment? Will it increase or decrease over the coming weeks? When is the best moment to start investing in ETFs?

### When is the best time to buy ETFs?

**The answer:** It’s quite simple. Rather than investing the entire sum at once, splits the sum into 4 equal parts (25% each) and invest each part every 3 months over the course of one year.

Example: Total investment 10.000 EUR |

1 January – First part: 2.500 EUR |

1 April – Second part: 2.500 EUR |

1 July – Third part: 2.500 EUR |

1 October – Last part: 2.500 EUR |

### Example schedule to buy ETFs:

Spreading the planned investment over the course of one year allows for avoiding seasonal and temporary fluctuations. Given that ETF prices do fluctuate, the 4-cycle investment approach reduces the risk of buying at the wrong time and thus diversifies the risk.

And even better: With the 4-cycle investment approach, there is no need to wait with buying your first ETFs. But you can do it today. Like I did back in 2015 when I bought my first ETFs. If you are interested, you can see my investment history.