Asset selection beats hard work! 2015-2025 is actually a golden window for global tech explosions + China's economic transformation. The biggest luck for ordinary people isn’t picking a 10x stock, but choosing the right type of asset. Prioritize 'stability' over 'profit.' Returns can come slowly, but once your principal takes a big hit, it’s tough for the average person to recover. Suggestions: 1) Core allocation in U.S. stock indices (60-70%) NASDAQ/S&P 500/Global Stock ETFs—long-term dollar-cost averaging can basically capture global tech dividends. 2) Defensive allocation for balance (20-30%) Low-volatility dividend stocks + pure bonds + gold—these can hold up during critical downturns. 3) Small satellite positions for fun (within 10%) You can allocate a small amount to Hang Seng Tech or STAR Market, but absolutely avoid heavy positions. Most important of all: Never go all-in on individual stocks!