100,000 yuan, annualized 15%, compounded for 30 years—how much would that be? The answer is: 6.62 million. But the real important question isn’t how to calculate it, it’s: Where can an average person find an asset that can deliver long-term compounding for 30 years? My answer is simple: Nasdaq 100. Of course, over the next 30 years, the Nasdaq 100 can’t guarantee 15% every year. There will definitely be crashes, bear markets, and even major corrections. But for the average person, instead of spending every day researching the next 100x coin, chasing trends, or guessing bull and bear markets, I’d rather bet my time on the strongest group of tech companies in the U.S. If you start with 100,000 yuan and truly achieve an annualized 15% return: 10 years: 400,000 20 years: 1.64 million 30 years: 6.62 million And this is just “100,000 invested once, never adding more.” If you continue to invest monthly into the Nasdaq 100, the power of compounding becomes even more astonishing. Many people think having only a few thousand or tens of thousands in principal makes investing meaningless. But it’s the opposite. The real advantage for the average person has never been the principal—it’s the fact that you still have 30 years of time. The biggest mistake isn’t missing out on some 10x coin. It’s thinking compounding is too slow when you’re young, spending years chasing quick wins, only to realize later that you’ve wasted the most valuable thing—time. I’m increasingly convinced of one thing: The best thing young people can accumulate isn’t necessarily shares of a specific stock, but shares of the Nasdaq 100. Your salary can buy consumer goods, or it can buy assets. The former makes today a bit more enjoyable. The latter might completely change your social class 30 years from now.