Last year, I was still chasing after Dogecoin, and I lost 47% over the year. It wasn't until one day I checked a friend's account that I realized how regretful I should be—over the same period, he was simply holding USDT in a wealth management product, with a return rate of 22%. At that moment, I realized that blindly chasing high prices is not as good as steady growth.

Now my strategy has changed. I allocate most of my funds into USDT wealth management products, mainly considering these points: first, the returns are settled daily, so I don't have to wait or guess. Second, there is no lock-up period, so I can respond immediately to market changes. Third, the operation logic is very clear, just like depositing money into Alipay—simple and straightforward.

What truly attracts me is the risk management mechanism underlying the product. Instead of putting all funds into a single lending pool, it automatically diversifies through algorithms into multiple low-risk counterparties. Even if one pool encounters issues, the overall impact is limited. This design is more reliable than several DeFi insurance products I tried before.

Another detail is the token rights issue. Staking the tokens earned continues to participate in the governance module, allowing involvement in protocol revenue sharing. This creates a dual-layer return—interest from deposits plus dividend income, with an actual annualized rate of about 18%. Even better, the tokens themselves have appreciation potential in a bear market, effectively earning both interest and asset appreciation simultaneously.

Bull markets tend to make people greedy, while bear markets can lead to despair. Instead of being driven by emotions, it's better to layer your funds: some for trading (requiring quick reactions and flexible capital), and others for steady growth (as a continuous cash flow source). Trading relies on methodology, wealth management on compound interest—only scientific methods can withstand market volatility.

Many people ask me why I don't keep chasing coins. The answer is simple: when you realize that stable, low-risk returns can beat most high-price chasing attempts, your mindset naturally becomes more stable.