Why did I change my viewpoint to say: Ordinary people are not qualified to talk about "long-term investment"?｜This article will tell you how to simply invest and surpass 90% of the market.

First, let me mention: there is a lottery at the end of the article, but I hope you read the content first.

Here, I think I need to change my own viewpoint; I previously made a mistake in one aspect of my investment discussion.

The essence of investing is that a Stop Doing List is more important than a To Do List:

That is to say, after we choose what we believe are worthy "value investment" targets, we need to have enough patience and confidence to wait for a great future.

This statement is not problematic, but the issue lies in the assumption I made: that ordinary people "are qualified" to wait.

Because the key factor here is: "enjoying the wait"!

What does enjoying the wait mean? It means that if you invest in the Nasdaq or $BTC, even if they drop 80% in a year, you should smile and say: No big deal, it has no impact on me, I believe it will rise in the future.

This is not investment education; I am just speaking from a position of comfort.

Is this something ordinary people can do? Obviously not!

First layer of logic: Stable cash flow!

Most ordinary people, or those I see entering the investment market, do so because they cannot find a way out or direction in their original field, so they decide to fight in the investment market, hoping to catch a hundredfold increase like someone did or the myth of a thousandfold increase from Trump, thinking they can stand up too.

Or, for those with a slightly more stable core, they might have a portion of their money in the stock market, and after investing, they see NetEase rise, and after a 20% increase, they can buy a new camera; after a 50% increase, they can buy a new car; after a 100% increase, they can consider buying a new house. Who can resist such temptation? You will definitely sell.

So you see, this is the way ordinary people think!

The way ordinary people think or their underlying logic does not allow them to hold onto hundredfold or thousandfold returns, nor does it allow them to enjoy the waiting process. When their survival is at stake, how can they enjoy it?

Now the question arises: I mentioned earlier that patience and waiting are necessary conditions for investing, and that is absolutely correct;

Now I need to add a second condition: it is best if you have a stable cash flow. To be extreme: people without stable cash flow are not suitable for investing; they are only suitable for speculation!

If you understand this sentence, give me a thumbs up!

What this means is that if you have a stable cash flow, like Duan Yongping, who receives millions in dividends every year from the BBK Group, Oppo, and Vivo, how much did he invest in Apple? Just a few million dollars. Do you think he can hold onto it? Of course, he can!

This is the role of stable cash flow!

So do you understand? We cannot copy others' homework or blindly worship those great figures, thinking that if we fight for it, we can also become great figures, while ignoring the underlying principles of those great figures. If you are not the chives, who is?

Second layer of logic: Compound interest!

Now let me talk about the second layer of logic: compound interest!

Seeing what I mentioned earlier, most people feel that they do not have such good cash flow, so does that mean investing has nothing to do with them?

Not at all, my friend, there is still a powerful tool waiting for you: the mighty compound interest!

This seems like a cliché that many people talk about, but I find that no one really pays attention to it. Indeed, slowly becoming rich is something ordinary people extremely dislike; they all want to get rich quickly, just like chives!

Let me tell you what the underlying principle is:

The underlying principle is: compound interest is not about "earning more," but about "time being on your side." It is a damn time magnifier! If you can understand this underlying logic, I will show you a magical operation. My wife has been doing this under my guidance for the past five years, and it’s impressive:

1) The formula for one-time investment compound interest:

FV = PV \times (1 + r)^n

FV: Future Value

PV: Initial Principal

r: Annual Rate of Return

n: Number of Years

2) Monthly investment (most important for ordinary people)

If you are investing a fixed amount every month, the formula is:

FV = PMT \times \frac{(1+r)^n - 1}{r}

PMT: Amount invested each period

r: Rate of return for each period

n: Number of periods (10 years = 120 months)

If you don’t understand the consensus, don’t read on; I know you won’t understand. Let me give you an example:

If you started ten years ago, investing 30% of your salary, which is 3000 RMB, in Bitcoin or the Nasdaq:

Time: 2015 → 2025 (10 years, 120 months);

Monthly investment: 3000 RMB;

Total investment: 3000 \times 120 = 360,000 RMB;

Scenario 1: Invest entirely in the Nasdaq 100 (QQQ)

Over the past 10 years, QQQ has had an annualized return of about 15% (including drawdowns).

Converted to a monthly rate ≈ 1.17%

Substituting into the formula, the result is approximately: about 1 million – 1.2 million RMB, because this is idle money, and it’s a compound investment, so:

You only invested 360,000, without stock picking, timing, or judging bull and bear markets, but relying on time + discipline, it magnified by 3 times.

This is low-risk compound interest.

Scenario 2: Invest entirely in Bitcoin (BTC)

Let’s use a deliberately conservative assumption:

Annualized return: 30% (the real history is far higher than this)

Monthly rate ≈ 2.2%

The result is approximately:

About 2.5 million – 3 million RMB

And the reality is: BTC has experienced at least 4 drawdowns of 70%–80% during these 10 years, and very few people could hold on during that time.

So remember this very important sentence:

Compound interest works for BTC, but the premise is that you survive the volatility.

In ten years, a return of 3-8 times, are you satisfied?

Note: This is just a small part of your salary, it does not affect your life, it does not affect your family, and it does not affect anything; this is what we call true: Duan Yongping-style investing, where you can truly enjoy the waiting process! Do you understand?

I calculated that even if you are afraid of risk and dare not buy US stocks and Bitcoin, you could still achieve about 2 times the return by compounding gold, which would outpace inflation. Not a big deal, right?

Conclusion—

So finally, I want to put it more bluntly: beating 90% of the people in the market is simply easy!

Most people do not lose because they do not understand the technology or cannot calculate the formulas, but because they are: too poor, too anxious, too eager to turn things around, and take themselves too seriously!

You are not a great figure; you don’t need to copy the homework of great figures. If you do not understand the underlying principles of great figures, you should not learn from them and take risks. Little do you know, your all-in is just a drop in the bucket for the great figures; can the results be the same?

Trying to replicate the paths of Duan Yongping, Buffett, or early Bitcoin players is an extremely foolish path. Do not believe in success studies and the investment methods they promote. The path that truly suits ordinary people is actually very counterintuitive: the only three key points you can achieve are what I mentioned, so quickly write them down:

1️⃣ Clarify where your cash flow is. If you don’t have the capital or cash flow, don’t talk to me about investing!

2️⃣ Identify the targets and improve your research ability.

3️⃣ Get serious about compound investing.

In ten years, whether it’s 3 times or 8 times, it’s not sexy, it’s not exciting, but it’s real, replicable, and won’t drive you crazy. This is truly the only way for ordinary people to achieve financial freedom.

Just remember one thing:

You do not change your destiny by getting rich once; you slowly walk to places others cannot reach by not making big mistakes over ten years.

Those who can see my article today and understand this sentence have already beaten 90% of the people in the market.

I hope everyone can help me spread this article, like, share, or comment. I do not expect it to save many people, but I hope that those who are clear-headed can see it and find the right direction.

Let’s have a lottery for Christmas:

Like + comment with your thoughts, and I will select 5 friends, each receiving a reward of 20 USDT.

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