The US stock market and cryptocurrencies are the two asset classes currently attracting the most attention from global investors. How can one build their own investment system from scratch? How can one maintain calm during market euphoria and act decisively during market downturns?

Today, we have invited Nico with a wise investment @tychozzz . He describes himself as a "programmer who loves investing" and began to realize the importance of investment after starting work, subsequently delving deep into the US stock market and cryptocurrencies. Now, he shares investment insights and educational content on X and YouTube, focusing on helping beginners transition from 0 to 1 in US stocks and crypto.

From Programmer to Investor, AI Makes Investment Easier

With a background in computer science, Nico became a programmer after graduation. However, after starting work, he increasingly realized one thing: relying solely on a salary is not enough for wealth growth. Thus, he began to study investment, especially in US stocks and cryptocurrencies.

At first, programming and investing were parallel paths. "In 2023 and 2024, programming had no direct impact on investment," he said. But in the past year or two, the emergence of AI has naturally bridged the gap between the two.

"Now it’s necessary to write code to configure and customize AI tools, using AI to assist US stock investments is a natural progression for programmers." In his daily workflow, AI handles a lot of information processing tasks—checking financial reports, examining technical indicators, summarizing daily events in the crypto and global financial markets. "In half an hour, I can know what’s happening globally. This is where AI helps the most."

His computer science background also sparked an idea: to create his own website. "I've always wanted to have my own website, so I combined programming with financial media to create an investment navigation site that gathers my previous articles, which is quite useful for beginners."

Moment of Enlightenment: From the Lessons of Altcoins to the US Stock Investment Philosophy of "Less is More"

What truly changed Nico's investment mindset was a detour in the crypto space.

When he first encountered cryptocurrencies, like many newcomers, he was eager to buy altcoins. "At that time, I saw each altcoin as having tenfold or hundredfold potential, so I bought a bit from the leaders of each sector. As a result, during the general market downturn, most altcoins plummeted significantly. I realized I had bought too many and couldn't manage them all, making it hard to earn sizeable profits."

This lesson directly influenced his subsequent trading approach in the US stock market. "I won’t buy so many stocks anymore; I might just buy a few that I've researched, understand what they do, and have some conviction in. Having just a few is sufficient; ten is already quite a lot."

Nico repeatedly emphasizes a phrase on his channel: "Less is more."

"Just focus on the few stocks you are best at. For example, my favorites are Nvidia, Tesla, Google, and the seven giants of US stocks; these are the ones I find to have the highest certainty. I focus solely on these and research them thoroughly—when to buy, when to sell, how much growth potential they have, and what their potential is. After researching, all of this is under control, making investment relatively reassuring, which can instead yield more profits."

Unity of Knowledge and Action: Waiting is Also a Form of Operation

From December 2025 to March 2026, Nico hardly made any moves.

This wasn’t because he couldn’t see opportunities, but because he adhered to his investment discipline. "Whenever I feel impatient, I think back to why I didn't buy before and ponder why I am waiting. By combining this with the current market sentiment and trends, I can tell if my thoughts are accurate."

He summarizes this state as "unity of knowledge and action." "What you think and what you actually do must align. Otherwise, in the market, if there is no unity of knowledge and action, one day the market will teach you a lesson."

During this waiting period, the US stock market was in a corrective phase. He candidly admits that there are always some hot stocks in the market that multiply several times, and missing out on these opportunities doesn't matter much. However, for stocks he truly believes in, not capturing them would be somewhat disheartening—yet during this period from December 2025 to March 2026, this situation did not arise. Waiting, in itself, is a form of operation.

The S&P 200-Day Moving Average and Pyramid Averaging Down: Turning Uncertainty into Executable Strategies

Nico has a specific, actionable buying strategy, centered around two concepts: the 200-day moving average and pyramid averaging down.

"The 200-day moving average acts as a bottom-fishing signal. The S&P has had relatively strong support at the 200-day moving average over the past few years. Buying at this point limits the downside." He does not believe in predicting market trends or chasing the lowest buying points and highest selling points. "Many people wait for a major crash, waiting for the S&P or Nasdaq to be halved before buying. I don’t recommend approaching investing with such a mentality."

Near the 200-day moving average, he employs the pyramid averaging down strategy. "I preset a maximum decline, say 25 percent. From the 200-day moving average downward, I buy in 4 to 5 batches; the more it declines, the more I buy."

However, there’s a prerequisite for this strategy—cash reserves must be maintained. "If you keep averaging up when the S&P is at a high point, when it actually drops, you may not have enough cash left and can only watch it fall. Thus, when the market is good and sentiment is high, you should be even more cautious and keep some cash bullets." Previously, he took profits on part of his holdings when Google and Tesla had significant gains to leave room for the next opportunity.

Why Choose to Trade US Stocks on Bitget

When discussing Bitget's US stock functionality, Nico's assessment is straightforward.

"The biggest advantage is the low threshold. No address proof, income proof, or any other documentation is needed. Depositing funds is also very convenient, without going through the traditional banking deposit and withdrawal process."

For many crypto users, the complicated processes and high thresholds for opening a traditional brokerage account often deter them. Bitget offers a new channel for retail investors to access US stocks in the form of stock tokens, allowing users to enjoy exposure to US stock gains without opening an overseas securities account.

"This is one of the easiest channels for retail investors to engage in US stock investment." he said.

Nico's Investment Q&A: Holdings, Pitfalls, and Advice for Newcomers

Can you share your current holdings?

I hold all of the US stock seven giants except Apple. I have holdings in the semiconductor sector, particularly AMD. In early March this year, I also opened new positions in three targets: PLTR, which I believe is a very strong stock in the AI application layer; Robinhood, which is essentially a brokerage but is actively entering crypto, tokenized US stocks, and prediction markets; and Micron, which is in the memory storage sector, benefited from the ongoing demand for computing power infrastructure due to AI.

What pitfalls have you encountered in US stock trading?

The most typical trap I fell into was with the stock Circle. In July and August, during Circle’s IPO, everyone had FOMO, and the stock price soared. The trap I fell into was entering the position too early, around the $180 price point, which resulted in significant floating losses. The stock itself is good, but the timing of the entry was off, leading to poor returns, even losses. This is a rather bad investment strategy.

So timing for entry is crucial.

What advice do you have for young people with limited funds wanting to enter the US stock market?

My advice is to invest in yourself first, excel in your primary job, or do more side gigs to create a second income stream. When funds are limited, it’s best to focus on your main job first. When you have enough money flowing into your pocket each month, allocating a portion for investment will give you peace of mind. But if you don’t have much capital and are trading, it’s easy for your mindset to falter; you might go all in or gamble, which can lead to losing everything. This is not a healthy way of growing wealth.

Once you have enough capital, you can start experimenting with lower-risk targets, like index funds for the S&P and Nasdaq; then expand to larger, predictable, and widely recognized targets like the US stock seven giants; and finally explore areas you truly know.

For example, as a programmer, I would focus on AI, explore the experiences of different AI products, and then study the companies behind them. Products you have used and experienced often represent your most judicious areas for investment. The things you truly use are the ones you understand best, and as a consumer or user, combine real-life experiences with analysis of the underlying investment logic and business logic—the insights you derive will be closer to the market itself.