Core Viewpoint - The article emphasizes the importance of a structured asset allocation strategy over chasing high returns with minimal capital, highlighting the risks associated with speculative investments and the benefits of a disciplined approach to investing [3][4][30]. Group 1: Investment Strategies - Many investors seek high returns by speculating on market trends, often leading to poor outcomes due to lack of information advantage [8][9]. - Successful investment requires identifying leading stocks and making significant investments, but this is challenging for average investors [10][11]. - Leveraging can amplify gains but also significantly increase the risk of total loss, as illustrated by the case of LTCM, which faced catastrophic losses due to excessive leverage [14][15][16]. Group 2: Sustainable Returns - A balanced asset allocation can yield sustainable annual returns between 5% and 15%, utilizing a mix of stocks, bonds, and commodities to mitigate risks [18][19][20]. - The article presents a comparison of investment outcomes based on different annual return scenarios, demonstrating that consistent, lower returns can outperform volatile high returns over time [21][22][24]. Group 3: Capital Accumulation - Increasing investment capital primarily comes from enhancing personal skills and career growth, which can lead to higher income and investment capacity [26][28]. - The article suggests that focusing on personal development and becoming an industry expert can provide better financial leverage than merely seeking high-risk investments [29][30]. Group 4: Investment Methodology - The "three-part method" proposed by Xueqiu promotes long-term investment and asset allocation through diversification across different assets and market conditions [33].