---
type: "Topics"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/topics/38894901.md"
description: "Simple logic ≠ can be done. Making money in US stocks doesn't rely on IQ, but on going against human nature + discipline.1. The real logic for making money in US stocks is indeed very simple- Long-term buying of broad-based/quality ETFs, diversification, low fees, long-term holding- No leverage, no frequent trading, no chasing hot trends- Buy more when undervalued, buy less when overvalued, don't try to time the marketAnyone can understand this, even someone with an elementary school education can learn it.2. But 90% of people lose money on these 4 points (all human nature)1. Always wanting to make quick money, looking down on slow moneyThinking 10% a year is too little, insisting on short-term trading, chasing meme stocks, speculating on news,Result: transaction fees + buying high and selling low = consistent losses.2. Can't control their hands, trading frequentlyUS stocks are volatile, watching the market every day, chasing when it rises, cutting losses when it falls,No matter how high the win rate, friction costs eat up all the profits.3. Daring to go all in at highs, daring to sell at lowsIn a bull market, everyone's a stock god, going all in;As soon as a bear market hits, panic sets in, selling at the bottom, perfectly buying high and selling low.4. Don't believe in simplicity, insist on "advanced strategies"Think dollar-cost averaging and broad-based ETFs are too ordinary,Insist on learning leverage, options, day trading, news-based speculation,Think they're the exception, but are actually giving money away.3. One-sentence summaryUS stock investing: The principle is extremely simple, execution is extremely difficult.- People who make money: Believe in simplicity, execute simply- People who lose money: Understand the principle, just don't do itAs long as you can:Don't chase highs, don't use leverage, don't trade frequently, hold a diversified portfolio long-termYou've already beaten 80% of people."
datetime: "2026-02-26T00:08:02.000Z"
locales:
  - [en](https://longbridge.com/en/topics/38894901.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/38894901.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/38894901.md)
author: "[浩浩小课堂](https://longbridge.com/zh-HK/profiles/19784218.md)"
---

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# Simple logic ≠ can be done. Making money in US sto…