Investing is often misunderstood. Many people believe that the hardest part of investing is “picking the right stock” or “timing the market” perfectly. In reality, the most difficult challenge is not selecting financial products—it’s mastering your own psychology and controlling your impulses, especially the “itchy hands” that always want to act.
When it comes to the stock market, picking stocks is not as difficult as most people think. For large-cap, blue-chip stocks, long-term returns are nearly guaranteed if you are patient and hold your positions without letting short-term fluctuations shake your confidence.
Take Moutai, for example. Some people once considered a stock price of 200,000 CNY per share to be expensive. Yet over time, its value increased tenfold. Similarly, in 2015, when concerns about non-performing loans and systemic risks arose in Chinese banks, these very stocks turned out to be among the most stable pillars of the market.
However, domestic markets, whether in China, Vietnam, or elsewhere, carry the risk of “black swan” events. Ordinary investors should be cautious. Those who consistently make money in such markets are rarely “ordinary”—they possess superior knowledge, psychology, operational skills, and access to information.
If possible, I recommend allocating capital to the U.S. market, particularly major indices such as the Nasdaq 100. Investing in the U.S. market over the long term is essentially “betting on the progress of humanity.”
1. Strategy for Ordinary Investors: Regular Investment and Long-Term Holding
The most straightforward path for an ordinary person to approach financial freedom is not speculation but systematic investing. By regularly investing in the Nasdaq 100 (or equivalent ETFs) and holding for 20 years, you give yourself the best chance at wealth accumulation.
It sounds simple, but execution is another matter entirely. Over two decades, negative news, crises, personal life changes, or shifts in psychology can tempt you to sell prematurely. Therefore, don’t worry if not everyone will get rich—most will fail to persist until the end.
2. You Don’t Need to Be Brilliant—Just Consistent
The truth is, the assets that generate the largest returns often don’t require deep research because they have high long-term certainty.
Personally, I rarely check daily stock prices, even though I once analyzed technical patterns in derivatives markets. Over-focusing on charts and news can manipulate your psychology, causing you to deviate from your long-term vision.
For instance, if you believe Tesla is building a massive AI ecosystem, daily price fluctuations are irrelevant. You are aiming for 20x returns over the next 10 years, not 3% in three days.
3. Bitcoin and Digital Assets
If you have the ability to invest internationally, consider assets like Bitcoin, Tesla, Microsoft, and Costco.
Bitcoin, in particular, follows roughly 4.5-year growth cycles. If today it’s $100,000, it could be $200,000 five years later. Reaching $1 million is likely just a matter of time.
However, never use leverage. Leverage hands control over your psychology to the market, leaving you unable to maintain self-discipline.
4. The Japanese Example—Seeing Beyond Numbers
In 2023, I visited Japan to “buy the dip.” Since then, Tokyo and Osaka real estate and the Japanese stock market have shown strong growth.
The reason is simple: wealth redistribution across generations. As the older generation passes on assets to the younger generation, social energy is reactivated. Understanding these trends allows you to spot opportunities without intensive research.
5. Accumulation and Discipline: The First Step to Financial Freedom
Young people often crave rapid wealth. Yet the accumulation phase is inherently painful because it goes against natural impulses. When young, you want to enjoy life and experiences, but accumulation demands delayed gratification and careful saving.
I don’t criticize those who choose to live fully while young. Everyone has their path. But those who start accumulating early and maintain a long-term vision will have the chance to ascend to a different financial tier in the future.
Conclusion
Investing is not a game of intelligence; it is a game of consistency and self-discipline.
Those who control greed and fear and dare to commit to long-term values are the real winners.
If you don’t know where to start, begin by regularly buying Nasdaq 100 ETFs or a small portion of Bitcoin each month—and don’t sell. Let time do the rest.
Ready to start your cryptocurrency journey?
If you’re interested in exploring the world of crypto trading, here are some trusted platforms where you can create an account:
- Binance – The world’s largest cryptocurrency exchange by volume.
- Bybit – A top choice for derivatives trading with an intuitive interface.
- OKX – A comprehensive platform featuring spot, futures, DeFi, and a powerful Web3 wallet.
- KuCoin – Known for its vast selection of altcoins and user-friendly mobile app.
These platforms offer innovative features and a secure environment for trading and learning about cryptocurrencies. Join today and start exploring the opportunities in this exciting space!
Want to stay updated with the latest insights and discussions on cryptocurrency?
Join our crypto community for news, discussions, and market updates: CryptoBCC on Telegram.
For collaborations and inquiries: CryptoBCC.com@gmail.com
Disclaimer: Always do your own research (DYOR) and ensure you understand the risks before making any financial decisions.
