Investment Reflections — From “All-in Youth” to “Prudent Player,” I Took Three Years

Three years ago, when I first entered the crypto world, I was an absolute “all-in youth.” Back then, I thought the crypto market was a place to get rich overnight. Seeing others post trades showing gains of dozens of times or even hundreds of times made me feel like I could do it too. So every time, I went all-in on a single coin, dreaming of leaving once it doubled. As you can imagine, after a few major pullbacks, most of my principal was gone. During that period, I spent every day anxiously checking the charts, couldn’t sleep at night, and it even affected my work and life.

After hitting rock bottom and thinking it through, I started to reflect on my investing approach. I realized that getting rich quickly is a very low-probability event, while stable profitability is a path that can be replicated. So I began learning intensively—reading books by investment masters, studying project research reports, learning technical analysis—and slowly formed my own investing philosophy.

First, I learned “asset allocation.” I no longer put all my eggs in one basket. My current portfolio is roughly: 40% Bitcoin, 30% Ethereum, 20% major altcoins (such as SOL, MATIC, etc.), and 10% used for high-risk short-term bets on small coins. With this setup, even if one coin crashes hard, the impact on the whole account is limited.

Second, I learned “dollar-cost averaging (DCA).” Instead of obsessing over the best entry points, I smoothed my costs through DCA. Every month, I set aside 10% of my income to buy Bitcoin and Ethereum regardless of whether prices are high or low. Over the long term, this strategy helps me avoid missing out during bull markets, and also prevents me from getting stuck too deeply during bear markets.

Third, I learned “staying in cash (no position).” In the past, I always felt it was a disadvantage not to hold coins, but now I understand that being in cash is also an active strategy. When the market is extremely overvalued or the direction is unclear, holding USDT and waiting for opportunities is far better than blindly jumping in. Being in cash not only preserves your principal, but also gives you enough “ammunition” when opportunities finally arrive.

Fourth, I learned “taking profit.” Many people focus only on how to buy, but ignore how to sell. I set targets for myself: whenever a coin’s price has risen by more than 50%, I sell one-third to lock in gains; if it has risen by more than 100%, I sell another one-third. That way, even if it drops later, I’ve already secured solid returns.

Three years have passed. My account hasn’t multiplied by hundreds of times, but I’ve had stable returns of 30%-50% every year, and compounding has already been quite significant. More importantly, I’m no longer anxious—I can work with peace of mind, and I can also enjoy life. The ultimate purpose of investing isn’t just number growth, but making life better. I hope my transformation can give you some inspiration.#夏日创作营
$BTC ‌