10年老基民揭秘！在牛市赚钱的5条“反人性”法则！

Core Viewpoint - The article emphasizes that market fluctuations are a natural part of investing, and that investors should focus on accumulating quality assets rather than reacting emotionally to price changes [1][2]. Group 1: Investment Strategies - During market volatility, investors should forget about price and remember about shares, viewing market downturns as opportunities to acquire more fund shares at lower prices [4]. - A "greed plan" should be established, where investors allocate spare cash into portions to buy more when the market drops by certain thresholds, as significant returns often come from buying during others' fear [6]. - Maintaining core allocations is crucial; as long as the fundamental logic behind the investment remains unchanged, price declines should be viewed as temporary [8]. Group 2: Investment Discipline - Dollar-cost averaging (DCA) should be treated as a discipline rather than a strategy; during market downturns, it is an ideal time to increase investment amounts or frequency [10]. - Understanding that volatility does not equate to risk is essential; rather, it presents opportunities for buying low and selling high, with true risk being the permanent loss of capital [12]. Group 3: Psychological Aspects of Investing - The essence of investing lies in psychology rather than technical skills; patience and adherence to investment principles are key during market fluctuations [13]. - The article concludes that the bull market has not ended, and that downturns should be seen as opportunities for the calm and rational investor [14].