Core Viewpoint - The article reflects on the lessons learned from four years of investment experience, emphasizing that investing requires rational planning and long-term commitment rather than following trends blindly [3]. Group 1: The Cost of Following Trends - The investment in popular funds, particularly in sectors like pharmaceuticals and military, led to significant losses when market conditions changed, revealing the risks of single-sector investments [4][6]. - A specific growth value fund experienced a maximum drawdown of over 50% due to heavy exposure to technology stocks during market downturns [4]. Group 2: Misconceptions About Dollar-Cost Averaging - Increasing investment amounts in a declining market did not yield the expected results, as the account faced multiple interruptions due to insufficient funds, missing opportunities to buy at lower prices [9]. - The failure to adjust investment strategies based on market valuations resulted in continued losses, highlighting the importance of timely decision-making [10][12]. Group 3: Emotional Decision-Making - During a market rally in September 2024, the account still showed a loss of over 40%, leading to a decision to cut losses by redeeming a quarter of the investment, which ultimately missed out on subsequent gains [14][15]. - The experience underscored the need for stop-loss decisions to be based on fundamentals rather than emotions, and the importance of investing with disposable income [16]. Group 4: Key Lessons and Insights - Diversification is crucial to survival, as over-concentration in high-volatility sectors can lead to significant setbacks during corrections; a balanced approach with value funds or fixed-income products is recommended [18]. - A long-term perspective and disciplined execution are essential, with stable investment amounts and dynamic valuation thresholds for profit-taking [20][21]. - Independent thinking is more valuable than following trends, as short-term performance may not reflect long-term stability; index funds are suggested for long-term investments over active funds [22]. Group 5: Rebuilding Investment Confidence - The company is now reallocating previously liquidated funds into diversified indices like CSI 300, CSI 500, and major U.S. indices, adhering to a "five-year hold + annual review" strategy to achieve recovery through low-cost averaging [24]. - The narrative concludes with a belief that respecting market dynamics and maintaining a disciplined approach are key to preserving capital and achieving long-term success [25][26].

Core Viewpoint - The article emphasizes that wealth accumulation is primarily a privilege for a minority, and ordinary individuals face significant challenges in breaking through socioeconomic barriers solely through labor [1][2]. Group 1: Traps Ordinary People Face - **Follow-the-Trend Trap**: Many individuals fall into the trap of joining popular trends, such as opening a milk tea shop or investing in a rising stock market, often resulting in financial losses [3][4]. - **Get-Rich-Quick Trap**: Courses promising high income with no prior experience are often misleading, teaching deceptive practices rather than legitimate wealth-building strategies [5][6]. - **Consumption Trap**: Excessive spending on luxury items and lifestyle choices can lead to financial instability, with appearances often misleading about true wealth [7][8]. Group 2: Five Golden Paths for Ordinary People - **Cognitive Monetization**: Individuals can leverage skills, such as programming, to create income opportunities, moving away from physical labor competition [9]. - **Side Business Leverage**: Engaging in side jobs, from ride-sharing to knowledge-based services, can significantly increase income without full-time commitment [10]. - **Low-Cost Entrepreneurship**: Starting small businesses with minimal investment can yield substantial profits, emphasizing the importance of testing ideas before scaling [11]. - **Counterintuitive Investment**: Regular investment in index funds, such as the CSI 300, can outperform most retail investors over time [13]. - **Networking for Profit**: Building and leveraging professional relationships can create additional income streams through referrals and collaborations [12]. Group 3: Ultimate Truths and Actionable Steps - **Time Over Money**: Investing time in skill development can lead to exponential income growth compared to traditional labor [14]. - **Risk Management Over All-In Betting**: Maintaining a financial safety net is crucial before pursuing high-risk ventures [14]. - **Focus Over Trend-Chasing**: Specializing in niche markets can yield better financial returns than general knowledge [14]. - **Rejecting Consumerism**: Prioritizing savings over luxury purchases is essential for building wealth [14]. - **Immediate Actions**: Individuals are encouraged to assess their skills, cut unnecessary expenses, and engage with high-value networks to enhance their financial prospects [14].

5 7 音 III 图周期周上 图显示范围 创 业 板 指 定 投 N IEEN e 2015 - 19 猴哥,没想到你这么厉害,以后 俺这点小钱可以跟你混了。 俺现在如果想去定投的话 投什么基金比较好呢? and of the state of the see "定投不择时,指数不 你可以从关注指数 选股",它们俩可以说 基金开始! 是天然契合的省心搭 配。指数基金风险分 散、清晰透明、管理费 0 0 0 整体较低。 47 有股票账户的话,还可以定投场内交易的 指数基金ETF,资金更灵活,且不收印花税, 交易成本更低。 选好标的之后,如果不知道定投多少 钱合适,有这么几种方法可以参考 - - 1 | 每月開鍵法 定投金额=(收入-支出) /2. 适用收支相对稳定的场景 72 電影筒站法 定投金额=月收入*10%~20%,适用 收入稳定但支出较不稳定的场景 ST THE TAR 根据家庭资产情况进行系统性规划, 例如应用标准普尔家庭资产配置法 预期资金需求明确(教育金、养老金等), 八长期目标准 倒推计算出定投金额 下面老孙就来举几个长期目标法的例子,给你看看定 投的实际应用场景。 定投的纪律性,某种程度上也 ...

Group 1 - The article emphasizes the importance of regular investment through fund dollar-cost averaging, which allows investors to avoid timing the market and reduces the risk of making poor investment decisions [4][5][8] - It highlights that dollar-cost averaging is a systematic investment approach that involves investing a fixed amount at regular intervals, thus averaging out the cost of investments over time [7][8] - The article discusses the benefits of this method, including the ability to accumulate quality shares at lower costs during market downturns, which positions investors favorably for future market rebounds [8][9] Group 2 - The article provides various stop-profit strategies for investors, including target profit method, maximum drawdown method, and others, to help secure gains and manage risks effectively [9][10] - The target profit method is described as a straightforward approach where investors set a profit goal and sell once that target is reached, which can be automated through many platforms [9] - The maximum drawdown method allows investors to set a limit on how much they are willing to lose after reaching their profit target, thus helping to avoid missing out on future opportunities during market uptrends [10]