Save a little money every month, and let time help you earn passive income!

Although the crypto industry is always filled with surprises and unexpected events, looking at the overall trend, the market remains strong. Take the market in 2025 as an example: Bitcoin continues to trade above $100,000, while Ethereum has remained around $4,000 for a long time. Compared to last year and the year before last, the total market value of these cryptocurrencies has increased by nearly 40%. Many mainstream coins have once again reached high levels.

Why mention this? The topic we’re discussing today is a investment strategy that allows you to benefit from this “long-term upward trend”—a method called “fixed investment”.

It’s the most “calm” way to make money in the crypto world. It doesn’t rely on speed or luck; it depends on time and patience. You just need to invest regularly. No matter how the market fluctuates in the short term, time will help you turn small amounts into big sums over time. After all, in a volatile market, being able to achieve success through stability is already the greatest victory.

First, let’s understand what “fixed investment” means.

In simple terms, it involves investing a fixed amount of money each month/week to buy coins, regardless of price fluctuations. For example, if you invest $500 in BTC every month, no matter whether the price is $40,000 or $30,000, you’ll still buy it at that point. The key principle is to diversify risks and spread costs through market fluctuations.

In other words, spend some spare money each month to buy coins. Over the years, the “explosive growth” of cryptocurrencies could be a surprise for you. Even if the market drops significantly, since you’re investing small amounts each time, your losses won’t be too much. With small monthly investments, you can still maintain a normal lifestyle. It’s a great strategy that allows you to “make money while staying relaxed”.

But the condition is that the currency you invest in must be a “long-term bullish” asset, such as BTC. Here’s some data for you: Investing 100 UBT in BTC weekly, what kind of returns can you expect?

After 6 months → Total assets: 2658.49 UBT (earning 58.49 UBT)

After 1 year → Total assets: 6035.90 UBT (earning 835.90 UBT)

After 3 years → Total assets: 42043.83 UBT (earning 26443.83 UBT)

This is the power of regular investment combined with compounding! Compounding is the most reliable “wealth magic tool”, and time is definitely our friends as individual investors. If the data doesn’t seem intuitive enough, take a look at this picture from when IP17 was launched back in the day. That’s probably why so many people want to learn how to invest regularly.

So, the essence of regular investment is: taking a little risk in exchange for long-term stable returns. As long as the price of the currency remains bullish over time, there’s no more hassle-free way to invest than regular investment. After all, not everyone has the ability to make hasty decisions when buying physical assets, right?

You need to understand the “temperament” of regular investment thoroughly.

It has several characteristics:

● Invest at fixed times: Invest once a week, every two weeks, or monthly. Develop this habit over time.

● Invest a fixed amount each time: The amount invested each time remains the same, regardless of price fluctuations.

● Diversify risks: Distribute your investments at different times, avoiding the awkward situation of investing all your money at once when prices are high.

Its advantages are also clear:

● Spread costs: Buy less when prices are high, and buy more when prices are low. Over time, this results in lower holding costs.

● 分散风险：不像一次性大额投资，万一买在高点就惨了，定投把风险拆成了 “小份”。

但劣势也得认：要是你投的币连年下跌甚至退市(比如某些山寨币)，就可能被 “套牢”，投也不是、不投也不是，心态容易崩。所以选币一定要谨慎，币圈有风险，投资需谨慎啊