"The stock market is a tool that transfers money from impatient people to patient ones."

As the high valuation cycle comes to an end, I decide to switch to a defensive mode. But that doesn't mean doing nothing — I have prepared a counterattack plan for extreme market conditions. This layered pyramid strategy for bottom-fishing is designed based on a capital of 1 million.

**Capital allocation:**
60% is placed in stable yield spot holdings, earning interest while maintaining high liquidity, enough to cover the first three layers of purchases. The remaining 40% I haven't touched at all — kept in bank credit lines, no interest, only used in the event of a systemic collapse.

**How to execute?**

Using the S&P 500 ≈ 7000 and NASDAQ 100 ≈ 26000 as benchmarks. The core principle is simple: the more absurd the decline, the more aggressively I invest.

A 10% drop (SPX to 6300, NDX to 23400), I first invest 100,000 to test the market and establish a base position. A 20% decline (SPX to 5600, NDX to 20800), I add another 200,000 to confirm a technical bear market. If it drops 30% (SPX to 4900, NDX to 18200), I commit all my own funds, deploying 300,000.

In the most extreme scenario — a 40% drop (SPX to 4200, NDX to 15600) — I only then activate loans, deploying 400,000 at once. This bottom line is only triggered during extreme panic.

Long-termism is not about lying flat, but about making the right decisions at the right moments.