投资路上最可怕的不是亏钱，而是把未来交给运气，把许愿当成决策...

Core Viewpoint - The article emphasizes that the most dangerous state for investors is not the loss itself, but rather a state of "no planning, no judgment, and no contingency," where individuals rely on luck and wishful thinking instead of making informed decisions [5][6]. Group 1: Investment Mindset - Many new investors enter the market with a strong desire to make quick and substantial profits, but this desire often remains untransformed into actionable plans [8]. - These investors typically do not analyze economic fundamentals or industry trends, and their decision-making is based on vague feelings rather than concrete analysis [9]. Group 2: Lack of Preparedness - The absence of a contingency plan accelerates the descent into poor investment practices, as mature investors always consider "what if things go wrong" while inexperienced ones fantasize about potential gains [10]. - Investors without a plan often become overly aggressive during market upswings and panic during downturns, lacking clear stop-loss strategies [10][11]. Group 3: Crisis Management - When faced with significant losses, inexperienced investors often scramble for help, seeking advice from various sources, but this reactive approach to risk management is ineffective [13]. - The article suggests that risk management should be proactive rather than reactive, as waiting until a crisis occurs to seek solutions is akin to gambling [13]. Group 4: Path to Maturity - Few individuals enter the market with a mature investment framework; instead, they learn through painful experiences of loss, which helps them understand the concept of risk [15]. - Those who manage to learn from their mistakes begin to transform their wishes into goals, feelings into judgments, and prayers into plans, ultimately developing a more mature approach to investing [16].