How to Choose the Right Asset (Hint: It’s Not About Returns)

(Olivia Investing Series Part 1)


A laptop displaying financial graphs, personal investing strategy chart

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.


๐Ÿ“š Olivia Investing Series

  1. How to Choose the Right Asset (Hint: It’s Not About Returns)
  2. Why Emotional Fit Beats Market Timing
  3. Cash Is Not Lazy — It’s Your Strongest Investing Tool
  4. 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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