How to Choose the Right Asset (Hint: It’s Not About Returns)
(Olivia Investing Series Part 1)
Most people chase high returns. But real investors choose what fits their life. Learn how to pick the right asset — emotionally and strategically.
2022 — The Year I Learned the Hard Way
In late 2021, I invested heavily in leveraged ETFs. The gains others made after the pandemic left me restless — even jealous. By the end of 2022, I had lost nearly 80% from the peak. It wasn’t the market. It was me. I didn’t understand what I was buying — and I wasn’t ready to.
I Chased Returns, Not Fit
I bought based on past performance. “It went up before, it’ll go up again.” But I never asked: “Will this work for me?” I ignored the market. I ignored myself.
The Real Asset Test? Your Life.
Since then, my rule is clear:
- Understand the market now, not just history
- Know your cash strategy:
- Emergency fund for life
- Volatility fund for investing
Without these, even a flat tire could ruin your rhythm. That’s not investing — that’s gambling with life.
The Asset That Fits Me? Stocks.
Stocks aren’t perfect, but they give me room to adapt. They move with the world — and I can move with them. That’s why I invest in them consistently. Because the best asset isn’t the one that outperforms. It’s the one you can live with.
๐ Olivia Investing Series
- How to Choose the Right Asset (Hint: It’s Not About Returns)
- Why Emotional Fit Beats Market Timing
- Cash Is Not Lazy — It’s Your Strongest Investing Tool
- From Reaction to Routine: My Real Investing Transformation
Related post:
The Real Power of Compounding — What schools don’t teach about long-term growth.
External resource:
What Is Asset Allocation? – Investopedia

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