

When buying BTC, always use a cryptocurrency exchange registered with the Financial Services Agency. Unregistered overseas providers carry the risk that your assets may not be returned in the event of bankruptcy. In past collapses of overseas exchanges, many users lost their entire holdings due to frozen withdrawals. To protect your valuable assets, choose a secure, domestic exchange.

Index funds automatically rebalance their holdings based on a set benchmark, and numerous studies have shown that actively managed funds, which rely on professional judgment for stock selection, generally cannot outperform the market average (the index) over the long term (see the classic book "A Random Walk Down Wall Street"). Combined with their low costs, index funds represent the optimal solution for individual long-term investors.

Invest for the long term and stay in the market, even if it feels boring. Index investing can see dramatically reduced returns simply by missing the top 10 best days. For example, with the S&P 500, missing just the top 10 days cuts returns in half. The greatest loss comes from fleeing during market downturns and missing out on those few best days. So, stay in the market.



