从All in 大赚，到麻木装死！一轮牛熊的毒打，让我明白了慢就是快！

Core Viewpoint - The article narrates the investment journey of a 90s female investor who transitioned from speculative trading in a bull market to a disciplined asset allocation strategy, emphasizing the importance of systematic investment approaches for wealth growth [1][2]. Investment Journey - The investor began her financial journey in 2016 during a bear market, influenced by simplified investment strategies like "asset allocation" and "regular investment" [3]. - Her initial experiences included significant gains in the booming renewable energy sector, followed by a painful loss of 100,000 yuan, which prompted a shift towards a more structured investment approach [4][5]. Investment Philosophy - The investor's philosophy evolved to prioritize risk management and long-term stability over short-term gains, leading to the adoption of a diversified asset allocation strategy [5][6]. - The "Permanent Portfolio" strategy, which balances four asset classes to mitigate risks across different economic cycles, became a cornerstone of her investment approach [5][6]. Asset Allocation Strategy - The current asset allocation consists of 45% equities, 25% bonds, 15% gold, and 15% cash, tailored to her risk tolerance and investment goals [6][7]. - Specific fund selections include a mix of domestic and international equities, bonds, and gold, with a focus on low-volatility and dividend-paying assets [8][10]. Performance Metrics - The investor's portfolio has shown a cumulative return of approximately 11% since its inception, with a maximum drawdown of 3.94%, significantly lower than the benchmark index [11][12]. - The strategy emphasizes liquidity and risk control, allowing for stable growth while meeting daily financial needs [11]. Personal Insights - The investor highlights the psychological benefits of a stable investment strategy, which alleviates anxiety related to market fluctuations and enhances confidence in making significant life decisions [13]. - Key advice for new investors includes using only disposable income for investments, abandoning the notion of quick wealth, and focusing on improving personal skills and knowledge for long-term benefits [14].