1: The new year has begun, so what are the new goals?

2: Given the current market conditions, I believe that a decline is actually a good opportunity.
First: The bear market is a stage for accumulating chips

People usually think that only a bull market can make big money and tend to blindly invest large sums during a bull run. But in reality, during a bull market, asset prices are high, making it easy to buy high-priced chips; when the market cools down, you get caught. The bear market is a good time to pick up bargains and accumulate chips. Asset prices are low, and the deeper the decline, the greater the potential for future rebounds. Buying chips at low cost and holding through the bear market can yield returns several times or even dozens of times higher.

Second: The bear market is a filter for beliefs, testing mindset and cognition

During a bull market, everyone blindly follows the trend, thinking they can make money even with their eyes closed; when a bear market arrives, most people panic and sell in fear, only a few who understand the underlying logic will settle down, learn, and accumulate knowledge. For example, during Bitcoin's sharp decline, skeptics sell off, while believers in blockchain technology buy the dip at low prices and end up making huge profits. Investing is not just about capital; it’s also about mindset and cognition. During a bear market, studying market laws and understanding asset value is more important than following the crowd in a bull market.

Third: The bear market is an opportunity to change destiny, breaking old orders and creating new opportunities

In a bull market, early entrants and large institutions hold a large amount of high-priced chips, making it difficult for ordinary people to compete. When the bubble bursts in a bear market, the old order is shattered, and new opportunities emerge—like heroes rising in troubled times. If one can see the future direction clearly and plan ahead during this time, ordinary people have the chance to leap across social classes. This logic also applies to industries and life: during industry lows or personal setbacks, focus on self-improvement, and when opportunities arise, you can turn the tables.

Fourth: Action guide for ordinary people in a bear market

• Learning and research: Study financial knowledge, analyze company fundamentals, understand industry trends, and avoid blindly watching stock price fluctuations.

• Mindset control: Do not panic and sell during market declines, nor blindly follow short-term rises. Be patient, withstand volatility, prepare for a long-term battle, and remember that investing is for long-term gains.

• Capital allocation: Appropriately allocate funds to quality low-priced assets, keep reserve cash, and distribute funds reasonably among long-term investments, steady financial management, and emergency funds.

• Improve cognition and review: Continuously learn and enhance understanding, develop a habit of regular review, and summarize investment experiences and lessons to avoid detours in future investments.