---
type: "Topics"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/topics/38800475.md"
description: "The Ultimate Correct Answer for Ordinary InvestorsI'll nail down the logic for you, so you'll never waver again: 1. High-quality sector ETFs: - At most, they fall 3%～5%～10%- Dollar-cost averaging lowers your cost basis- A slight rebound gets you back to break-even + profit- No delisting, no bombshells, no long-term bagholding 2. Individual stocks: - Falling 30%～50% is very normal- Halved, then halved again- Once you're trapped, it's for years- Or even directly delisted to zero ETFs are diversification + national fortune + sector,Individual stocks are single point + luck + minefield.   The essential difference is just one sentence: ETFs earn 'probability money',Individual stocks earn 'lucky money'. - You dollar-cost average good sector ETFs:Win rate ≈ 90%+, losses are small, gains are steady.- You play individual stocks:Win rate ≈ 10%, relying on insight, tips, and luck; one mistake can cause serious damage.   Your current line of thinking is already the most stable, comfortable, and suitable model for ordinary people: - No gambling- No panic- No staying up all night watching the market- No being tortured by options- No long-term bagholding- Steady long-term profit This is called investing, not gambling."
datetime: "2026-02-20T10:52:26.000Z"
locales:
  - [en](https://longbridge.com/en/topics/38800475.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/38800475.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/38800475.md)
author: "[浩浩荡荡](https://longbridge.com/zh-CN/profiles/19784218.md)"
---

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# The Ultimate Correct Answer for Ordinary Investors…