Last Updated on 2025 年 8 月 3 日 by 総合編集組
Charlie Wang’s Advice and Tool Recommendations for Investors, in Response to “Qingliu-jun: Excessive Pessimism Only Suits ‘Ding Neng Er,’ The Market Rewards Only ‘1 Type’ of Investor”
Charlie Wang deeply resonates with Qingliu-jun’s perspective that “excessive pessimism only suits ‘Ding Neng Er,’ and the market rewards only ‘1 type’ of investor—the optimistic investor” [User Provided Article]. However, he wishes to further elaborate that this “optimism” is not blind; rather, it is built upon a foundation of deep understanding and systematic practice.
From Charlie Wang’s financial enlightenment and life turning points, his understanding of “money making money” emerged from his realization of the “reusability” of “value”. This aligns perfectly with Qingliu-jun’s “positive-sum game” concept [User Provided Article], signifying that market opportunities exist, but one must know how to participate and create or discover value within them.
Below is Charlie Wang’s in-depth analysis of the “Ding Neng Er” mindset, along with his advice and tool recommendations for investors:
An In-Depth Analysis of “Ding Neng Er”
Qingliu-jun playfully coined the term “Ding Neng Er” (short for “deposit-savvy child”) to describe investors who only dare to lock their funds in fixed deposits [User Provided Article]. Charlie Wang believes that the behavior pattern of “Ding Neng Er” mirrors his own “financial enlightenment” moment when he “didn’t understand compound interest and was exploited”. It’s another illustration of how a lack of understanding of the rules leads to missed opportunities and even subtle “exploitation” (e.g., inflation eroding purchasing power).
- Source of Fear: Misunderstanding and Uncertainty
- Charlie Wang believes that many people choose fixed deposits due to a lack of understanding of the market and an unclear concept of risk management. He himself once paid a price for not understanding credit card rules.
- From his tutoring experience, he learned the importance of “risk management,” which means diversifying clients. Similarly, investment also requires diversified allocation, rather than placing all hopes on a single strategy.
- Missing Not Market Returns, But “Value Creation” Opportunities
- “Ding Neng Er” misses not only the long-term market returns [User Provided Article] but more importantly, the opportunity to “exchange value for money”. Charlie Wang discovered that when he packaged knowledge into reusable value, money would come to him. Likewise, investment is about deploying capital into assets that can continuously create value.
- Passive “Security”: An Illusion
- Seemingly safe fixed deposits are, in reality, a “passive beginning”. Just as Charlie Wang initially didn’t actively seek to be a tutor but did so for living expenses. This passive sense of security can lead to missing broader learning and growth opportunities. He emphasizes, “If I don’t understand these financial game rules, I will always be exploited”, a perspective that equally applies to combating inflation’s erosion of fixed deposit funds.
Charlie Wang’s Investment Advice and Tool Recommendations
As a financial professional and educator who is “both pragmatic and a bit romantic”, Charlie Wang’s advice is always practical above all, with specific data and trial calculations. He strives to “make smart investment decisions accessible to everyone” and is dedicated to building an “Asian financial education platform”.
I. Mindset Adjustment: From “Risk Aversion” to “Value Creation”
- Embrace “Systematic Value Creation” Thinking:
- Investment is not simply “exchanging time for money,” but “exchanging value for money”. This means understanding how the asset you invest in creates value, rather than merely chasing price fluctuations.
- Learn to establish concepts of “standardized processes,” “quality control,” and “economies of scale”, applying them to your investment portfolio management to make your capital a reusable “asset”.
- Cultivate “Strategic Optimism”:
- Optimism does not imply blindness; rather, it requires meticulousness and sensitivity to numbers. By reading classic behavioral economics books, you can understand the psychology behind irrational market behaviors and avoid becoming a victim of “misbehavior.”
- “Simplify the Complex”: Learn to organize complex financial concepts into clear tables and classifications, making it easier for you to make decisions.
- Transition from “Passive” to “Active”:
- Stop merely “waiting for money to be given”, but actively seek and create income sources, much like Charlie Wang actively sought tutoring opportunities. Investment is an extension of this proactive spirit.
- Charlie Wang learned from Mr. Tanaka: “Finance is not about making big money, but about enabling ordinary people to live better lives”. This will guide you to make more pragmatic investment decisions aligned with your life goals.
II. Practical Steps and Tool Recommendations
- Solid “Financial Enlightenment” Education:
- Reading: Beyond Qingliu-jun’s views, Charlie Wang would advise you to read behavioral economics classics (e.g., Thinking, Fast and Slow, Nudge, Misbehaving) to understand market and personal investment psychology. He also recommends reading travel and finance combination articles or compilations from credit card expert blogs to learn practical applications.
- Learning: Just as he majored in international finance at National Chengchi University’s Graduate Institute of Finance and understood Asian financial history, this background knowledge can help you view the market’s “positive-sum game” more comprehensively.
- “Digitized” and “Systematized” Personal Financial Management:
- Accounting Habits and Tools: Charlie Wang habitually uses Excel or financial apps to precisely calculate cashback ratios for every expenditure. This sensitivity and precision with numbers should extend to investments. Record the cost, income, and fees of every investment, and regularly perform financial analysis.
- Asset Allocation Tools: Although specific investment apps are not mentioned in the sources, Charlie Wang would use test/experimental email accounts to test new financial apps and investment platforms. This suggests he would encourage you to explore different investment platforms, but to thoroughly research their functions, fee structures, and security.
- Multi-Account Management: Learn from Charlie Wang’s habit of strictly differentiating email purposes, setting up dedicated mailboxes for investment activities, such as “financial product application” or “test/experimental” mailboxes. This helps you effectively manage notifications and data from various banks, brokerages, and investment platforms, preventing important information from being lost.
- “Staying Up-to-Date” Research and Information Mastery:
- Financial News Apps/Websites: Charlie Wang wakes up early to read financial news and uses a mobile app to track exchange rate fluctuations. Ensure your financial information sources are reliable and timely.
- Financial Industry Internal Information and Networks: One reason Charlie Wang chose the financial industry over pure writing was to gain first-hand market insights and build connections. While this is difficult for general investors, you can compensate by following reliable analyst reports and market outlooks published by financial institutions.
- Blogs/Self-Media Information: Charlie Wang himself runs the “Charlie Wang’s Money-Saving Notes” blog. He would encourage you to follow finance blogs or self-media that, like his own, offer “practical above all,” “personal experience,” and “thoughtful reminders”, but always maintain independent thinking and judgment.
- Application of “Compounding Thinking”:
- Mr. Tanaka taught Charlie Wang “how to plan for the future with compounding thinking”. This refers not only to the compounding of money but also the compounding of knowledge, experience, and “reusable value”. Long-term investment returns are the best embodiment of compounding.
- It is recommended to choose investment tools that can be held for the long term and benefit from compounding, such as low-cost index funds or ETFs. These products, due to their diversification and market-tracking characteristics, are more aligned with Qingliu-jun’s “positive-sum game” and Charlie Wang’s emphasis on “systematic value creation.”
In conclusion, Charlie Wang would tell the “Ding Neng Er” individuals: Stepping out of fixed deposits is not about blindly taking risks, but about becoming an “optimistic and wise participant” with clear goals, systematic knowledge, precise data analysis, and an understanding of “value creation.” Just as he aspires to be “the person who helps ordinary people manage their finances”, he hopes you can transform from the passive state of “fixed deposits” to an active learner and practitioner of “investment.”
