Those Who Made Money This Time Have Endured for a Long Time

In June this year, I said I would record my investment in real - time. I checked and found that the last record was written on June 20th, [Fund Real - time: Funds Currently in Regular Investment](https://panzhixiang.com/2024/currently - invested - funds/). It’s been almost three months since then and I haven’t written another one. The market has been doing well recently, and I’ve noticed more and more people around me discussing stocks and funds. So, I decided to write a record.

September Profit Situation

Let’s start with some good news. As of now, the return of my fund portfolio “Fund Regular Investment Growth Plan” on Tiantian Fund in September is 7864.95. There is one more trading day tomorrow, and I don’t know if there will be a pullback. However, no matter what, this is the best single - month return in the past two years or so.

This is how my earnings are distributed among the invested funds.


I checked the daily earnings from mid - September until now and found that there hasn’t been a single day of loss…


It has maintained positive earnings for 8 consecutive trading days.

However, my overall position - holding return is still in the red. Even after such a large increase in September, I’m still 5.65% in the red.


Investment Portfolio

My investment portfolio remains the same as in June, as follows.



If you’re interested, you can also search for “Fund Regular Investment Growth Plan” on Tiantian Fund. I’ve made my positions public, and you can see more detailed information.

Those Who Made Money This Time Have Endured for a Long Time

Recently, due to the hot market, more and more people have been discussing it. Yesterday, a colleague in the department group shared a news article saying that the trading order volume had skyrocketed and there were system delays, which shows how hot the market is.


Yesterday afternoon, in a cloud - native technology communication group, people were also discussing this market trend. Some people said things like “I wonder how many people will get rich this time.” I replied with “Those who made money this time have endured for a long time.”

Although I said my investment portfolio had a return of over 7800 in September, overall, I’ve been in the red since the beginning of 2022. At most, I had a loss of nearly 20%. It took more than two years of endurance to get this return.

I’ve been following Yinhang Luosiding and Meng Yan. They can be regarded as investment masters among ordinary people (I say this to distinguish them from professional fund managers). But in the past two years, their investments have also been in the red, and they’ve been enduring.

Of course, there must be some people who use leverage, margin trading, and short - selling to take a big bet. They can indeed make a large sum of money in just a few days, but this is not investment, it’s gambling. It’s not suitable for us wage - earners.

What to Do Next?

To be honest, I don’t really understand the so - called market trends and rarely study policies.
Most of the time, I just look at the valuation and the enthusiasm of people around me for investment.
At present, the overall valuation is still relatively low, not at the over - valued level. Although the enthusiasm of people around me for investment has increased a lot compared to before, it’s not like in 2015 when almost everyone was talking about stocks. So, for now, I’ll keep my current portfolio and regular investment unchanged.

Investment Purpose

Some time ago, I had a meal with a colleague and we talked about regular investment. He said regular investment was too slow and the increase was much lower than that of stocks. It was obvious that he preferred investing in stocks, especially popular ones.

I also bought stocks before 2019, but I haven’t bought any since the summer of 2019.

The purpose of my sticking to fund regular investment is not to get rich overnight, but to use 10, 20, or even 30 years to prepare for my future retirement life.
I’ve made an agreement with my wife that the money for regular investment won’t be withdrawn unless it’s a life - or - death situation.