定投指数却“越买越亏”，让我发现适合自己的才是最香的

Core Viewpoint - The article narrates the investment journey of an individual who transitioned from a novice to a more knowledgeable investor through learning and adopting a structured asset allocation strategy known as the "Three-Fund Method" [2][3][4]. Investment Journey - The individual began investing in 2019 by purchasing a healthcare index fund through a bank's financial advisor, which resulted in a significant loss of 45% on an initial investment of 120,000 yuan by July 2022 [5][6]. - This experience highlighted the risks associated with single-asset investments and prompted a search for a more balanced and stable investment approach [5]. Introduction to Three-Fund Method - The individual discovered the "Three-Fund Method" during a period of confusion, which emphasizes the importance of asset allocation and risk diversification [7]. - The method categorizes assets into three main classes: stocks, bonds, and commodities, allowing for effective risk management and stable returns [7][8]. Asset Allocation Strategy - The individual developed a personal asset allocation strategy, termed the "Stable 5 Portfolio," consisting of 80% bonds, 10% stocks, and 10% commodities, aimed at achieving over 5% annual returns while limiting drawdowns to within 2% [9][10]. - This allocation strategy focuses on stability, with bonds providing a steady income, stocks offering growth potential, and commodities serving as a hedge against inflation [9][10]. Family Support and Trust - As the individual's investment philosophy matured, the positive results began to influence family financial decisions, leading to increased trust and support from family members regarding investment strategies [11]. - The individual emphasizes the importance of patience and consistent investment practices, which have contributed to a growing investment portfolio exceeding one million yuan [11]. Key Insights - The individual stresses the importance of understanding one's own financial situation and risk tolerance before making investment decisions, advocating for a cautious approach to investing [14][15]. - The article concludes with a reminder that investing is a long-term endeavor, and the essence of investment lies in transferring current resources to future value [17].