Brothers, I made a website,

Unexpectedly, the traffic just broke 10k+ today.
It's nothing fancy, just整理了我这些年自己定投的思路，做成几台投资计算机，自动算出现在该买多少。
Based on my main investment targets: BTC, gold, NASDAQ 100, S&P 500, and some active US stock funds designed on Alipay in China.
First, why did I make this?
I used to invest regularly based solely on intuition.
When the market fell, I panicked, afraid to buy.
When the market rose, I worried about missing out, chased in.
The result is predictable—buy high, sell low, doing the opposite.
Later, I thought, can I create a scoring system that lets data tell me how much to buy now, instead of letting emotions decide?
Just such a simple idea.
For the BTC computer, I look at seven indicators.
AHR999, MVRV, 200-day moving average deviation, Fear & Greed Index, Miner Puell Multiple, Reserve Risk, Hash Ribbon.
Each alone isn’t very useful, but combined, they can roughly tell you whether you should buy more now.
For gold, the core factors include the US dollar index and real interest rates.
DXY below 96 is good for gold, TIPS real interest rates below 0% are extremely bullish.
I also include other indicators like VIX, MACD, RSI, and seasonal factors.
Backtesting from 2015 to 2026, the DCA strategy yields a total return of 232%, compared to 194% for regular dollar-cost averaging.
The NASDAQ 100 is more complex, with 12 dimensions: PE, PB, MACD, RSI, Bollinger Bands, VIX, US Treasury yields, AAII sentiment index.
Backtested annualized return is 12.38%, versus 10.63% for regular DCA.
The S&P 500 adds factors like Shiller CAPE and sector rotation, but I won’t go into detail here. Currently, as a foundational asset, I invest without timing, without watching prices—just plan your funds.
At this point, someone will ask: NASDAQ and S&P are good, but how can ordinary people in China buy them?
Honestly, for most people, buying NASDAQ ETF and S&P ETF on Alipay is the best solution.
Low threshold, just open Alipay and buy—simple.
But there’s a problem: limits.
Many NASDAQ ETFs on Alipay can only be bought for 100 or 300 yuan per day; more than that, you can’t buy.
For those wanting to invest more, these limits are a real bottleneck.
So I created another section, specifically整理了支付宝上那些美股主动型基金。
I sifted through and picked funds that have long outperformed the NASDAQ 100, listing their annualized returns, max drawdowns, holdings, top stocks, fund managers, and management fees.
Clear at a glance.
Suitable for beginners. You don’t need to understand PE, PB, or read K-lines—just look at a table to see which funds have long outperformed the index, and invest accordingly.
Of course, active funds carry risks. Fund managers change, styles drift, and performance may decline as size grows.
So I also marked these risks, not just showing returns, but including drawdowns, volatility, Sharpe ratios—all together.
Once you see it, you’ll know whether a fund is really strong or just lucky.
Honestly, the most time-consuming part for me isn’t these indicators, but risk management.
BTC position should not exceed 20% of total assets, gold no more than 20%, S&P 500 as the core at 35%, and the remaining 25% allocated to NASDAQ and active funds.
Maximum three times the base amount per week; automatic downgrades for high scores; a 30% drawdown pauses trading for a day and adjusts the position size.
Why? Because I’ve experienced losses myself.
In March 2020, during the global circuit breaker, all models failed. But you can’t just abandon risk control because of that.
Risk control isn’t about avoiding losses altogether; it’s about losing less when things go wrong and planning your funds well.
There’s also a lazy portfolio section on the site. I selected ten common global allocation schemes, backtested from 2017 to 2025, with annualized returns from 6% to 15%.
No complicated operations—just follow the plan.
I think this is truly for brothers. Not just giving you a bunch of charts to figure out yourself, but directly telling you what the long-term results might be with this setup.
Speaking of which, I feel quite emotional about it.
I used to think investing was about thorough research—reading financial reports, understanding technical analysis.
Later, I realized most people simply don’t have that time or ability.
Asking a working person to study K-lines every evening isn’t realistic.
So I’ve packaged complex stuff into simple decisions.
Score 78, invest today, plan your 1.56x.
It’s that simple.
It’s not about making you smarter, but about preventing you from making foolish mistakes.
Website address: if you’re interested, check it out.