# 【小岛不亏】终于做出了这个重大决定！公开我的投资账户，2025花费零精力，我赚/亏了多少钱

Source: https://www.youtube.com/watch?v=tRBsPI6OHvM
Recap page: https://rapidrecap.app/video/tRBsPI6OHvM
Generated: 2025-12-12T11:03:40.887+00:00

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## Quick Overview

The presenter concludes that while individual stock picking (like the Hong Kong-listed Dale Corporation or US-listed UnitedHealth) or trying to time the crypto market is difficult and risky, long-term, consistent investment in broad market ETFs like QQQ (NASDAQ 100) and Singapore bank stocks like DBS is a safer and more predictable strategy, especially given current macroeconomic conditions favoring asset appreciation through monetary expansion.

**Key Points:**
- The presenter's Singapore DBS account held over $600,000 USD, representing about half of their total portfolio, yielding a 33.9% return this year on a $154,840.32 gain against a $611,741.56 net worth.
- The presenter initially made two high-risk investments: one in Hong Kong's Dale Corporation (which went private prematurely) and one in US-listed UnitedHealth (which is currently showing a loss of $4,218.01).
- The presenter has been consistently buying QQQ (NASDAQ 100 ETF) since April, believing its long-term growth (historically ~15.56% annualized return) is more reliable than individual stock picking, especially due to ongoing global money printing.
- The presenter advocates for a long-term, dollar-cost averaging approach to major ETFs like QQQ and high-quality local bank stocks like DBS, rather than attempting to time market crashes or engage in high-leverage crypto trading.
- Chinese government actions against domestic crypto exchanges and support for RMB stablecoins are seen as reinforcing the difficulty for Chinese citizens to participate in global crypto markets, while simultaneously strengthening the push for domestic digital currency infrastructure (MBridge competing with SWIFT).
- The video concludes that for beginners, the safest path is regular investment in broad-market ETFs, emphasizing patience and adherence to a pre-set trading plan, rather than chasing volatile short-term gains.
- The presenter mentions their own crypto accounts (totaling $50,000 USD) are currently down about 15% due to recent market crashes, but these small positions are not a major concern compared to the core long-term portfolio.

![Screenshot at 01:53: The presenter highlights the net asset value of their Singapore stock account, $611,741.56 USD as of December 6th, emphasizing the substantial size of this portion of their portfolio.](https://ss.rapidrecap.app/screens/tRBsPI6OHvM/00-01-53.png)

**Context:** The video is a personal investment update and philosophical discussion by the creator, Xiaodao, who manages a diverse portfolio including US stocks, Singapore stocks, and cryptocurrencies. The creator uses a whiteboard animation style to explain why they are shifting focus towards long-term, stable growth assets like ETFs and high-quality local banks (DBS) over volatile or politically restricted investments, contrasting their own recent crypto losses with the long-term stability of US tech indices and Singaporean finance.

## Detailed Analysis

The speaker, Xiaodao, provides a detailed update on their investment portfolio, which includes US stocks, Singapore stocks, and cryptocurrencies, and outlines their current investment philosophy. They reveal that their Singapore stock account holds $611,741.56 USD, showing a 33.9% gain for the year on that segment. The speaker contrasts this with their crypto holdings, which are down about 15% due to recent market volatility, leading them to publicly share their investment strategy. The core of their strategy involves favoring long-term, stable growth over volatile speculation. They cite the historical performance of the QQQ ETF (NASDAQ 100) showing significant compounding growth over 20 years (~15.56% annualized return) as evidence that consistent, dollar-cost averaged investment in broad market indices is highly effective. They also emphasize buying strong local institutions, specifically Singapore's DBS bank, which benefits from global capital flows and central bank liquidity injections. The speaker contrasts these stable investments with highly volatile crypto, noting that while crypto itself is technologically robust (like Ethereum), its price action is too volatile for beginners, often leading to panic selling or buying at extremes. Furthermore, they discuss China's ongoing efforts to control capital outflows and promote its own digital currency infrastructure (MBridge), which restricts Chinese retail investors from easily accessing global crypto markets, reinforcing the stability argument for regulated assets. The speaker admits that their previous short-term bets, including a Hong Kong real estate stock (Dale Corporation), did not pan out as expected, leading to a greater emphasis on long-term, resilient assets.

### Portfolio Update & Philosophy

- Singapore DBS holding over $600k USD (half portfolio) with 33.9% YTD gain
- Focus on long-term, consistent investment over short-term trading
- Acknowledges recent crypto losses (~15%) but maintains small exposure.

### Stock Selections & Reasoning

- Emphasizes QQQ ETF (NASDAQ 100) due to strong historical compounding returns (~15.56% annualized) and DBS bank as a beneficiary of global capital flows and monetary expansion.

### Critique of Speculative Trading

- Warns that following volatile crypto trends or attempting to time market swings leads to emotional trading (FOMO/panic selling), citing personal losses in crypto and failed short-term stock bets.

### Geopolitical & Macro Factors

- Notes that ongoing money printing globally supports asset prices, but China's restrictions on domestic crypto access and push for digital RMB/MBridge infrastructure favor investing in assets outside of direct Chinese control (like Singaporean banks and US tech ETFs).

### Investment Plan

- Recommends long-term dollar-cost averaging into broad market ETFs (like QQQ) and high-quality local banks (like DBS), avoiding high-leverage contracts.

### Promotional Content

- Offers links in the comments section for an exchange (Binance, offering a 500 USDT bonus/20% fee reduction via referral) and mentions a Telegram group for investment discussions.

![Screenshot at 01:53: Screenshot of the presenter's Singapore stock account showing a net asset value of $611,741.56 USD.](https://ss.rapidrecap.app/screens/tRBsPI6OHvM/00-01-53.png)
![Screenshot at 02:03: Highlighting the yearly gain of $154,840.32 USD on the Singapore account, resulting in an approximate 33% return.](https://ss.rapidrecap.app/screens/tRBsPI6OHvM/00-02-03.png)
![Screenshot at 03:04: Display of the Bitget account showing a -3% loss for the month on crypto assets, contrasting with stock performance.](https://ss.rapidrecap.app/screens/tRBsPI6OHvM/00-03-04.png)
![Screenshot at 06:07: Chart showing the stock performance of Dale Corporation \(大悦城\), which the speaker bought low but ultimately sold for a relatively small profit of 700,000 HKD due to a privatization event.](https://ss.rapidrecap.app/screens/tRBsPI6OHvM/00-06-07.png)
![Screenshot at 11:53: Visual representation of the flow of money from central banks \(printing money\) into financial assets \(coin\) and then into the real economy \(Yiwu market\), emphasizing the inflation mechanism.](https://ss.rapidrecap.app/screens/tRBsPI6OHvM/00-11-53.png)