Time has the power and charm of compound interest - Web3 Cryptocurrency Exchange Platform

History repeatedly confirms that frequent trading and emotional decisions in a bull market are often the main sources of profit loss. Many investors chase hot topics and switch strategies, only to find that their returns may be less than simply holding broad-based index funds. Investing is counterintuitive and against human nature; it is a game of human nature. The essence of investing is a process of accumulating wealth through time and cognition. Almost all investment returns come from patience. Time is the key to investing; it is much more important than timing. In today’s modern financial markets dominated by supercomputers and quantitative models, the most powerful weapon for ordinary people is not faster reactions or more informed news, but “rational laziness” and “discipline-driven patience.” Compound interest, talked about by everyone but rarely truly understood, is a miracle. Einstein’s quote that “compound interest is the eighth wonder of the world” is repeatedly cited in the investment community, but its true power is far more shocking and “unfair” than people usually imagine. A simple mathematical sequence reveals its brutal yet beautiful logic: 1, 2, 4, 8, 16, 32… The key point is that the absolute increase from 16 to 32 (which is 16) is just slightly larger than the sum of all previous increases (1+2+4+8=15). This means that, in the long journey of compound growth, more than half of the wealth is created in the final stages. That’s why 90% of Warren Buffett’s wealth was accumulated after age 50. It’s not because his investment skills suddenly became divine in his later years, but because he planted the seeds of capital early on. He started investing in his teens and persisted until his 90s. This gave Buffett more time to experience enough “doubling cycles,” eventually reaching the steep, nearly vertical part of the compound growth curve. A practical tool is the “72 Rule”: divide 72 by the annualized return rate to estimate the approximate number of years needed for doubling the principal. Assuming an 8% annual return, assets double every 9 years. Someone who starts investing at 25 might experience five doublings (32 times) by age 70; if they start at 35, they might only double four times (16 times). A 10-year delay can ultimately result in a difference of a full doubling. Time is the only variable in the compound interest formula that cannot be compensated for with skill or recovered. Many investors’ tragedy is that they only see the long, slow accumulation in the early stages of the compound curve, feeling bored or anxious due to slow growth, and give up during market fluctuations. They never get the chance to witness or imagine the astonishing exponential surge in later stages. Most investors are “impatient” and “cannot wait,” overestimating their abilities. Evolution of species always involves imperfection; species cannot evolve to perfection. Evolution seeks simplicity, and simplicity is a mark of truth. Some inefficiencies are beneficial; “effective inefficiency is beneficial.” Time has the magic and charm of compound interest. Time can solve everything. Investing is not only a tool but also a philosophy: acknowledging market efficiency and the limitations of one’s cognition. Recognizing the true规律 of compound interest is the starting point of this investment philosophy—it requires us to have a long-term vision spanning decades. Wealth is not a trophy chased after; it is a byproduct of correct habits and the natural nurturing of long years. The most generous rewards often go to those brave enough to “do less” and patient enough to “wait.” Be a shareholder, collect dividends, accumulate equity, wait for gifts. A cup of tea and a half-open book, drinking tea and accumulating stocks through the years. You will never be perfect, but you can always become better. $BOS $TURBO MBOX