Two accounts, 5-year live trading proof: Ordinary people can really make steady profits.

Two accounts, 5 years of live trading proof: Can ordinary people really make steady money?

After reviewing the asset analysis of these two accounts today, the one sentence I want to say most is: Investing has never been a game for geniuses. For ordinary people, as long as you get the method right, you really can steadily and profitably make money.
Same as 2020 account opening, same A-share market—two accounts, two paths, yet both produced results far above the market’s average. And behind it, there’s no inside information, no leverage, no overnight riches—only the most basic investment logic that ordinary people can replicate.

First account: 247% annualized return (25%); using a few hundred yuan, beating 99.59% of people
First, look at this account that makes many people amazed:
Account opening date: June 24, 2020
Cumulative profit: +7619.79 yuan; cumulative return rate +247.50%
Annualized return rate: +24.97%
Outperformed 99.59% of fellow investors
Ending asset value: 670.94 yuan
Net deposits: -6948.84 yuan (cumulative withdrawals of nearly 7000 yuan)
Many people will wonder at first glance: With a 247% return, why do I end up with only 670 yuan?
The answer is very simple: The money, I steadily cashed out.
This account is my “low-capital experiment” for ordinary people. From the first day I opened the account, I only put in a small amount of principal. When I made money, I withdrew it, leaving only a few hundred yuan in there to compound like a snowball.
No chasing “monster” stocks, no leverage—only opportunities ordinary people can understand, such as convertible bonds, ETF arbitrage, and fund discounts.
Not heavy-positioning, not going all-in. Even if the opportunity is great, you only take a small position to test.
Make money and leave—take profits and secure them, turning gains into real cash.
Over 5 years, annualized 25%, outperforming 99.59% of investors. It’s not talent—it’s the “small gains, frequent gains” logic that ordinary people can learn too.
Even if your principal is only a few hundred yuan or a few thousand yuan; even if you’re an office worker with no time to watch the market—so long as you’re not greedy, not restless, and you accumulate steadily, you can still generate returns that overwhelm the market.

Second account: 48.59% annualized (7.6%); using 30k yuan, and “lying down” to earn stable happiness of 43k
Now look at the account that’s closer to most ordinary people:
Account opening date: August 28, 2020
Cumulative profit: +14241.90 yuan; cumulative return rate +48.59%
Annualized return rate: +7.62%
Outperformed 93.85% of fellow investors
Ending asset value: 43552.38 yuan
Net deposits: +29310.48 yuan (cumulative investment of nearly 30k)
This account is a “win-by-laying-down” account I designed specifically for ordinary people who have “no time, no energy, and fear of risk.”
No high-frequency trading. No chasing hot themes. Buy and hold, with hardly any time spent watching the screen.
Only do “lie-down” style instruments like broad-market index funds and high-quality convertible bonds—trading on time rather than trying to catch every move.
Make continuous small contributions so compounding slowly takes effect, without anxiety about short-term up and down.
After 5 years, annualized 7.62%—seemingly not that high, yet it steadily turned 30k into 43k, outperforming 93.85% of investors.
This is the investment ordinary people should learn most: don’t aim to double in one year—aim only for positive returns year after year.
A 7% annualized return doesn’t look impressive, but if you keep it up for 10 years, your principal can double; keep it up for 20 years, and it can become four times.
For office workers, stay-at-home moms, and retirees, this is the real “steadily steady happiness”—no need to stay up watching the market, no need to be afraid and worried. Just lie there and let money make more money.
Three investment truths for all ordinary people—after reading, don’t take 10 more years of detours
Two accounts, two strategies—yet both confirm the same principle: ordinary people really can make steady money.

1. High returns aren’t talent—they’re methods ordinary people can replicate
   For the first account, the annualized 25% isn’t luck, and it’s not inside information. It’s based on strategies that ordinary people can learn easily, such as convertible bond “wheels,” ETF arbitrage, and fund discount opportunities.
   These opportunities have no barriers. You don’t need a high degree or a huge amount of capital. As long as you’re willing to spend some time studying, even if you spend only 10 minutes a day, you can still catch them.
   Investing has never been a game for a small number of people—it’s a skill that ordinary people can also master.
2. Slow is fast—7% compounding is far more reliable than 20% high returns
   Many people enter the market hoping for doubling within a year, chasing extreme high returns.
   But the reality is that in A-shares, 7 lose, 2 flat, 1 wins—and 99% of people can’t beat the index.
   Those who can truly survive long term are never the most aggressive—they’re the most steady.
   The second account’s 7.62% annualized return looks ordinary, yet it genuinely outperformed 93.85% of investors.
   For ordinary people, a steady 7% is far more likely to help you stick with it than a volatile 20% with big swings—so you can ultimately make money.
3. Don’t chase highs, don’t take oversized positions, and don’t be anxious—these are ordinary people’s investment iron rules
   Both accounts follow the same core principle:
   Don’t chase high prices: position only at lower levels; don’t touch high-price bubbles
   Don’t take heavy positions: always diversify, and don’t put all your “eggs” in one basket
   Don’t be anxious: don’t watch the screen, don’t operate frequently—use time to gain space
   This is the investment philosophy I’ve always adhered to, and also the iron rule for all ordinary people.
   Investing isn’t about who makes money faster—it’s about who can live longer.
   As long as you can do these three things, even if you’re just an ordinary person, you can make steady money in A-shares and slowly get richer.
   Written at the end
   These two accounts are the strongest proof for all ordinary people:
   You don’t need a billion-yuan net worth. You don’t need inside information. You don’t need extraordinary talent. If the method is right and your mindset is steady, ordinary people really can make steady money.
   After doing investing for so many years, I’ve always firmly believed that the essence of investing is to improve ordinary people’s lives—not to make ordinary people anxious.
   All the strategies and all the real-time accounts I share are understandable, learnable, and usable by ordinary people.
   I am “72 Ants,”
   I only do investments that ordinary people can understand, hold on to, and sleep well with.
   No chasing highs, no heavy positions, no anxiety,
   Take small steps and go slowly, accumulate little by little,
   Only lose time, not money—make steady money and get rich slowly.
   Thanks for following—let’s talk about strategies in the next episode.