Recently, I was chatting with some friends, and I found that many people are dead set on their dollar-cost averaging decisions: should they stick with mainstream coins like Bitcoin and Ethereum, or go for some smaller altcoins, or simply allocate to traditional assets? I can understand this dilemma, but I need to be honest with everyone—**this kind of choice anxiety often costs more than choosing the wrong coin**.

Let me share a personal story. In 2008, a relative of mine saved up a down payment in Shenzhen, ready to buy a property. He was eyeing two developments: one in an excellent location but expensive, and another cheaper but a bit off the beaten path. He was stuck between these two options for two months, constantly comparing which one would appreciate faster and which had more potential for appreciation, but he just couldn’t press the buy button.

When he finally made up his mind, both properties had already gone up in value. In the end, he gave up on the investment altogether. Looking back ten years later, guess what? No matter which one he had chosen back then, the appreciation was roughly the same—almost ten times. The problem was, he ended up with nothing.

**Dollar-cost averaging works on the same principle. The core isn’t about choosing the "perfect asset," but about truly participating in this long-term wealth growth.**

Many people have a misconception that the key to dollar-cost averaging is precise market timing and picking the most promising coins. But honestly, that’s just a disguised form of market prediction—and predicting the market itself is a false proposition. The brilliance of dollar-cost averaging lies precisely in **admitting that we cannot predict the future**.

Instead of spending three months researching whether to buy Bitcoin or some new coin, it’s better to start dollar-cost averaging immediately. By investing a fixed amount each month, you automatically average your costs. When the market dips, you buy more; when it rises, you buy less. This mechanical approach effectively absorbs short-term volatility.

Ten years of investing experience has taught me that the difference between successful and unsuccessful people is often not their choice of assets, but **their level of action**. Someone who坚持d dollar-cost averaging into an ordinary asset for ten years can usually outperform someone who spends every day researching which coin is the most awesome but never actually gets on board.

So instead of overthinking, just start now. Time is far more valuable than perfect choices.