Consistent investing is not about luck, but about the patience to stick with it.

Three years ago, my elderly family member retired. She kept complaining that her pension couldn't keep up with the rising prices at the market every day. I didn't tell her any market stories; instead, I secretly set up an automatic regular investment plan for her—deducting 500 yuan on the 15th of each month, rain or shine.

And now? The 12,000 yuan initially invested has grown to 47,000. The elderly person now not only shops without worrying about prices but also quietly saves an education fund for her grandson. This is not some overnight wealth myth; it’s a simple truth verified by ordinary people through discipline and time: the real way to make money in the crypto world is never through reckless gambling, but by patiently nurturing like raising a golden goose.

**1. My Three Regular Investment Strategies**

**1. Mechanical Time-Based Investment: No regard for price, only the calendar**

Since June 2022, I set a fixed schedule—invest 500 yuan on the 1st and 15th of each month, regardless of whether the market is at 200 or 600, just like regular bank savings. When the market is hot, I buy fewer shares; when it’s cold, I buy more.

Backtested over four years, this approach yields an annualized return of about 18%, with maximum drawdowns kept within 35%. The result? It outperforms 90% of frequent traders in the market. Why? Because spreading out over time always beats timing the market.

**2. Ladder Buying: The more it dips, the more I buy—bringing cheap chips home**

I set several price levels for myself: when it drops to 400, buy one share; at 300, buy two; at 200, buy three. Now, my elderly family member cares about the market even more than I do, saying it’s more exciting than stocking up during supermarket sales.

Every market winter is a good time for investors like us to pick up bargains. During last year’s dip, my holdings’ average cost fell below the current market price.

**3. Mindset and Discipline: No chasing highs, no cutting losses**

This is the hardest part. Seeing others shouting about quick riches, hearing the community hype the market every day—how can I not be tempted? But I’ve found that those who get the most excited are often the ones losing the most.

I stick to one rule—execute the plan as set, no adding or reducing. Over these three years, I’ve seen markets rise and fall, but those who survive are always the ones who don’t overreact.