About nearly five years of regular fund investing on Alipay, I was genuinely so wronged it made me want to cry—because I had suffered a really brutal drop before. And every time I did a weekly regular investment through Alipay, the return rate would show up, and it looked downright disgusting. Then at the end of last year, seeing a slight rebound, I went ahead and cut out of everything in one go. I was just curious, so I went to check—and sure enough, after I cleared the position, one thing happened: it surged by 1.5 times, and with a 26 ratio. Back then, I wasn’t short on money, but watching the losses just made me feel sick—what on earth was I doing?