Understand Risks and Returns: Investment involves both risks and returns. Investors shall clarify their own risk tolerance and understand the potential returns and risks of different investment types. Higher returns are often accompanied by higher risks, and investors shall rationally balance risks and returns.

Build Knowledge Reserves: Investors shall acquire basic financial knowledge and understand fundamental principles and instruments of investment markets. Knowledge can be accumulated by reading relevant publications, attending investment‑education courses and consulting professionals.

Formulate an Investment Plan: Investors shall develop a clear investment plan based on their personal goals, risk tolerance and time horizon. The plan shall cover investment objectives, asset allocation, investment timeline, expected returns and other key elements to guide investment decisions and achieve long‑term goals.

Diversify Your Investments: Diversification is a key strategy for risk mitigation. By allocating capital across different asset classes, industries and geographic regions, investors can effectively reduce overall portfolio risk. When certain investments underperform, others may still generate returns.

Adopt a Long‑term Investment Mindset: Long‑term investing is critical for pursuing meaningful returns. Short‑term market volatility is normal and unpredictable. Investors shall take a long‑term perspective, refrain from frequent trading, and avoid being swayed by market sentiment.

Conduct Research and Due Diligence: Before making investment decisions, investors shall carry out thorough research and due diligence. Study the fundamentals, financial conditions and future outlook of target companies or assets to make well‑informed investment judgements.

Manage Emotions and Avoid Impulsive Decisions: Markets are driven by emotions such as fear and greed. Investors shall stay calm and rational, resist market sentiment, and avoid impulsive decisions and excessive trading.

Guard Against Investment Scams: Investors shall stay vigilant to avoid falling victim to investment fraud. Be wary of get‑rich‑quick promises, guaranteed high returns and unregulated investment opportunities. Always conduct thorough due diligence and select investment products and platforms prudently before committing capital.

Review and Adjust Periodically: Investors shall regularly review their investment portfolios and make adjustments in response to market conditions and personal objectives. Flexibility and adaptability are vital to investment success.