After I finished writing this tweet, many friends came to me to learn some details, and some friends also discussed the significance of buying insurance with me. Let me share my own feelings. 1. Insurance is a hedge, in my opinion, for high-risk investments. Previously, I used to use my annual earnings to buy BTC, but starting from 2026, a portion of my annual earnings will be allocated to long-term, low-risk returns. Insurance and QQ are my first steps. I have been living in the cryptocurrency field for quite a long time and have seen many friends around me coming and going, making a lot of money, but very few can keep making money. The reason for losing money is most likely due to liquidation caused by leverage, so my own plan is to reduce leverage and increase low volatility and high certainty returns. 3. In my personal opinion, allocating 20% of the total disposable assets of a household to long-term financial management, whether in the form of insurance or passive financial management, is acceptable. Then, investing 20% of the total annual income in reinvestment is a relatively healthy number, especially for those who have all their wealth in the cryptocurrency field. In early 2025, I mentioned that my investment plan would be 30% gold, 30% short-term US bonds, 30% long-term US bonds, and 10% Bitcoin. However, by 2026, this combination may not be very good. My current plan is: 30% QQ+25% SCHD (resubmission)+25% EWJ (resubmission)+15% IBIT+5% ETHA My current plan is to invest $10000 per month. If I continue to invest in this way, I have prepared $120000 and will invest $10000 per month. The uninvested funds will receive a 4% interest rate. So I still have around $2200 in interest over the course of a year, which is a 2% position. I'll talk about that later. 5. I have a general understanding of what I can understand, and I will slowly explain what I didn't understand. This set of investments is my view on 2026. @bitget VIP， Lower rates and more generous benefits