Core Viewpoint - The article emphasizes the importance of a systematic investment approach, particularly through the "three-part method" for fund investment, which aims to achieve stable returns that outpace inflation and bank savings [2][4]. Summary by Sections Initial Hesitation and Learning - The author initially hesitated to invest in funds due to a negative perception influenced by a colleague's comment about fund managers [2]. - The discovery of the Snowball App led to a renewed interest in fund investment, including a realization that previous investments were made through platforms like Alipay's Yu'ebao [2][3]. Understanding Fund Investment - The author gained a deeper understanding of fund investment concepts such as compound interest, asset allocation, rebalancing, and long-term investment through various resources, including a program featuring a discussion on pension investment [3]. - The recognition of the importance of a scientifically constructed fund portfolio based on individual risk tolerance was highlighted [4]. Implementation of the Three-Part Method - The author began implementing the "three-part method" for fund investment, which involves creating a reasonable investment portfolio to smooth out volatility and achieve average market costs through long-term investment [4][5]. - Two investment plans were created: a growth-oriented plan and an aggressive plan, which were shared with friends, indicating a growing acceptance of this investment strategy [5][6]. Investment Insights - Key insights learned from the investment experience include: 1. Fund investment should focus on the long term [7]. 2. Only use idle funds for investment, ensuring a reserve for emergencies [7]. 3. Long-term systematic investment helps to smooth out volatility and costs [8]. 4. Investor returns are influenced by both fund performance and individual investment behavior [9]. 5. Avoid trying to time the market; instead, focus on consistent investment to achieve average market costs [9]. 6. Avoid frequent fund switching and set realistic return expectations [11].