If you want stable long-term returns, an annualized rate of 12%-18% is actually not hard to achieve. The key lies in whether you have a systematic approach.

I have always emphasized that theory and practical cases are indispensable. Know why you make money? Know how to persist? Once you clarify these two questions, making money is no longer just luck.

My wife’s operations over the past few years are an example. Starting from a cumulative profit of 1 million, continuing at the established pace, it’s basically a no-brainer to reach a total return of over 4 million within three or five years. Unless there are exceptional circumstances, the logical chain won’t break.

The difference lies in one point—whether you have a clear set of investment principles to support you. Many people follow trends, rely on intuition, and make frequent adjustments. In the end, they can’t tell whether they are gambling or investing. Conversely, with a framework and case references, your execution ability can actually improve, and the long-term compound interest effect becomes evident.

These are the examples I have observed and the patterns I have noticed.