Over the next 10 to 20 years, the steadiest and most cost-effective way for ordinary people to manage their money is to dollar-cost average into $QQQ and $NDAQ.US . Don’t fixate on a downturn in one or two particular years; take a longer view and focus on average returns. Don’t tinker, don’t be biased, and don’t be suspicious. Admit that you’re just an ordinary person: you can’t handle high volatility, and getting rich overnight isn’t for you. Your only advantage is time. You’re here to witness history, not make it; ordinary people can’t create stories either—in investing, they only create disasters. For ordinary people to seek relatively high returns with low risk means following the most domineering, unreasonable, and overbearing vehicle in the world—but also the most liquid and the one best at harvesting the world’s wealth: the U.S. stock market. #美股 #代币化 #纳指100本周跌5.5%创18个月最大周跌幅