#长期持有策略 Dollar-Cost Averaging + Long-Term Holding Gold Combination

Regular fixed investment (e.g., investing 1000 yuan each month) can automatically achieve "buy more at low points, buy less at high points." Data from 2000 to 2023 shows that investors who consistently dollar-cost average in the S&P 500, even through the 2008 financial crisis, achieved an annualized return of 7.2%. Key rules:

At least continue for 10 years;

Persist during bear markets;

Choose index funds with management fees <0.3%.