In the past two years, I have come up with a trap for ordinary people on asset allocation - it's not complicated, but it requires some patience.

Let's first talk about the A-shares. For the large-cap index funds in the Sci-Tech Innovation Board and the ChiNext, don't go all in at once; it's fine to enter in batches or use dollar-cost averaging. Hold it for two to three years, then withdraw in batches, but don't liquidate everything; keep a small portion to continue observing the market.

You need to keep some cash flow on hand to ensure your daily expenses are covered. What about the remaining spare money? Just invest it in BTC; this requires a long-term mindset, starting with at least 5 years.

This trap execution is likely to outperform over 90% of investors in the market. The key is two words: endure. Don't stare at the market every day, and don't let short-term fluctuations lead you by the nose; time will give you the answer.