收缩了绝大部分理财投入 OKX 的 $BTC 双币赢主要基于两点基础原因：1. 我认为 80k - 100k 这个区间的 BTC 值得长期定投，哪怕接到货我也不会卖，整体是因为还没研究明白期权工具才去用下简易期权2. OKX 本身安全，不会跑路，观察下来同类型双币赢产品里他们提供的利润最高（也就是扣除的实际手续费最少）有时候会问自己一个问题，BTC 再跌到 75k 会梭哈吗？我的答案是不会。新人这轮进来的都是靠什么赚钱的？大多是土狗 meme 和链上协议。我既然没有在 BTC 赚过大钱，那我凭什么要在极度恐慌的情况下对 BTC 有什么信仰呢？对我们来说买 BTC 也是一种投机罢了，还是一种信仰不坚定的投机在认知到这一点的基础上，购买一些不影响生活的仓位是有必要的。考虑到的就是更长线的操作，只有仓位较小的情况下做这样的操作才不会等更恐慌的时候割肉。震荡市吃吃权利金也够生活了另外 OKX 最近的闪赚也是提供了比较大容量的猪脚饭，在活期理财只有 2% 的情况下还是挺舒服的Mercy (@Mercy_okx):最新一期OKX闪赚活动今晚8点上线啦！千呼万唤的BTC奖池回来咯～📅活动时间：2025年11月18日下午8: ...

Core Insights - The article discusses the concept of compound interest and disciplined investing, illustrating how small daily investments can accumulate significant wealth over time, specifically highlighting the potential to turn 2 yuan a day into 1 million yuan in 50 years with a 10% annual return [1] Investment Strategy - Emphasizes the importance of budgeting and not using emergency funds as investment capital, which can lead to forced selling during market downturns [2] - Recommends using simple budgeting methods like the 50/30/20 rule to determine how much can be allocated for investments each month [2] Product Selection - Suggests that beginners should focus on low-cost passive index funds or ETFs due to their transparency and lower risk associated with frequent trading [4] - Advises investors to consider the tracking index and tracking error when selecting funds, with a preference for broad indices and a tracking error below 0.3% [4] Market Considerations - Notes that while a 10% annual return is a reasonable expectation based on historical data, it is not guaranteed, and investors should be prepared for market fluctuations [4] - Highlights the impact of inflation on nominal returns, stressing the importance of focusing on real purchasing power rather than just account balances [4] Implementation Steps - Recommends setting up automatic contributions to low-fee index funds or ETFs and maintaining a balanced asset allocation that adjusts with age or risk tolerance [6] - Suggests keeping 3 to 6 months of living expenses as an emergency fund to avoid selling investments at a loss during market dips [6] - Encourages long-term commitment to investment strategies, emphasizing that consistent investing is key to leveraging the power of compounding [6]

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].