Bitget in Conversation with Nico: A Programmer’s Investment Wisdom on AI Efficiency and US Stock Investing

U.S. stocks and cryptocurrencies are the two asset classes that currently attract the most attention from global investors. How do you build your own investment system from scratch? How do you stay calm when market sentiment is exuberant and act decisively when the market is down?

Today, we have invited Nico投资有道 @tychozzz . He describes himself as "a programmer who loves investing." After starting his career, he realized the importance of investing and began to delve into U.S. stocks and cryptocurrencies. Now, he shares his investment insights and educational content on X and YouTube, focusing on guiding beginners from zero to one in the world of U.S. stocks and crypto.

From Programmer to Investor: AI Makes Investing Simpler

With a computer science background, Nico became a programmer after graduation. However, after working, he increasingly realized one thing: relying solely on a salary is far from sufficient for wealth growth. So he started studying investing, particularly U.S. stocks and cryptocurrencies.

Initially, programming and investing were two parallel lines. "In 2023 and 2024, programming didn't have a direct role in investing," he said. But over the past year or two, the explosion of AI has caused these two areas to naturally converge.

"Now, writing code to configure and customize AI tools, using AI to assist in U.S. stock investing, comes naturally to a programmer," he said. In his daily workflow, AI handles a large amount of information processing—checking financial reports, looking at technical indicators, and summarizing what's happening daily in the crypto and global financial markets. "In half an hour, I can know what's happening globally. That's the biggest help AI provides."

His computer science background also sparked an idea: to build his own website. "I've always wanted to have my own website, so I combined programming with financial content creation to build an investment navigation site, aggregating my previous articles. It's quite useful for beginners."

Aha Moment: From Altcoin Lessons to 'Less is More' in U.S. Stock Investing

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

When he first got into cryptocurrencies, like many newcomers, he wanted to buy every altcoin he saw. "At the time, I thought every altcoin had tenfold or hundredfold potential, so I bought a bit of the leader in each sector. The result was that in a broad market downturn, most altcoins dropped significantly." He realized, "I bought too many to manage effectively, making it hard to achieve substantial gains."

This lesson directly influenced his approach to U.S. stocks later on. "I won't buy that many stocks anymore. I'll probably just buy a few that I've researched, understand what they do, and have some conviction in. Holding a few is enough; even ten is a lot."

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

"Just focus on the stocks you know best. For example, my favorites are Nvidia, Tesla, Google, and the Magnificent Seven. These are the ones I find most certain. I only focus on these, studying them thoroughly—when to buy, when to sell, their growth potential, and their upside potential. After researching, these are all within my control. Investing becomes more reassuring and, paradoxically, can lead to greater returns."

Aligning Knowledge and Action: Waiting is Also an Operation

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

This wasn't because he didn't see opportunities, but because he was adhering to his own investment discipline. "Whenever I feel tempted, I think back to why I wasn't buying before and why I need to wait. Combining that with current market sentiment and trends helps me determine if my thinking is correct."

He describes this state as "aligning knowledge and action." "What you think and what you actually do must be consistent. Otherwise, in the market, if you don't align knowledge and action, the market will eventually teach you a lesson."

During this waiting period, the U.S. stock market was in a state of consolidation. He admits there are always some outlier stocks that surge several times, and missing those opportunities doesn't matter. But missing the stocks he truly believes in would be somewhat uncomfortable—however, this didn't happen between December 2025 and March 2026. Waiting, in itself, is an operation.

The S&P 200-Day Moving Average and Pyramid Position Building: Turning Uncertainty into Actionable Strategy

Nico has a specific, actionable buying strategy centered on two concepts: the 200-day moving average and pyramid position building.

"The 200-day moving average acts like a bottom-fishing signal. For the S&P 500, this moving average has provided strong support over the past few years. Buying near this level means limited downside risk." He doesn't believe in predicting market movements or aiming to buy at the absolute bottom and sell at the absolute top. "Many people wait for a major crash, waiting for the S&P or Nasdaq to halve before buying. I don't recommend investing with that mindset."

Near the 200-day moving average, he uses a pyramid approach. "I preset a maximum decline, say 25 points. Starting from the 200-day moving average downwards, I buy in 4 to 5 batches, buying more as the price drops."

But this strategy has a prerequisite—maintaining cash reserves. "If you keep adding positions when the S&P is high, you might not have enough cash when it truly drops, and you can only watch it fall. So, when the market is good and sentiment is high, you should be more cautious and keep more dry powder." Previously, he took profits on some of his Google and Tesla positions when they had risen significantly, creating space for the next opportunity.

Why Choose to Trade U.S. Stocks on Bitget

Discussing Bitget's U.S. stock feature, Nico's assessment was direct.

"The biggest advantage is the low barrier to entry. It doesn't require proof of address, proof of income, or any certifications. Depositing funds is also very convenient, without the need for traditional bank deposit/withdrawal processes."

For many crypto users, the complex procedures and high thresholds for opening traditional brokerage accounts can be daunting. Bitget, through U.S. stock tokens, offers retail investors a new channel to access U.S. stocks, allowing users to enjoy exposure to U.S. stock returns without needing to open an overseas securities account.

"This is one of the easiest channels for retail investors to access U.S. stock investing." he said.

Q&A with Nico: Holdings, Pitfalls, and Advice for Newcomers

Can you share your current holdings?

I hold all of the Magnificent Seven except Apple. In the semiconductor sector, I hold AMD. In early March this year, I also opened new positions in three stocks: PLTR, which I believe is a very strong player in the AI application layer; Robinhood, essentially a brokerage, but it's actively expanding into crypto, tokenized stocks, and prediction markets, a transformation I find very promising; and Micron, in the memory storage sector, benefiting from the sustained demand for AI computing infrastructure.

What pitfalls have you encountered in U.S. stock trading?

The most typical was my experience with Circle. During the IPO hype in July and August, everyone was FOMOing, and the stock price soared. My mistake was building a position too early, entering near $180, leading to significant unrealized losses. The stock itself is good, but poor timing in position building leads to poor returns, or even losses. That's a bad investment strategy.

So, timing your entry is crucial.

What advice do you have for young people with limited capital who want to invest in U.S. stocks?

My advice is to first invest in yourself—focus on your main career or develop side hustles to create a second income stream. If you don't have enough cash, it's best to concentrate on your day job first. When you have sufficient monthly income and can allocate a portion to investing, you feel very secure. But if you try to trade with limited capital, it's easy to develop a bad mindset, leading to going all-in or 'shaking the dice,' and you might lose everything quickly. That's not a healthy way to grow wealth.

Once you have enough capital, start with lower-risk instruments like S&P 500 or Nasdaq index funds. Then, expand to large-cap, highly predictable, widely recognized stocks like the Magnificent Seven. Finally, explore sectors you are truly familiar with.

For instance, as a programmer, I focus on AI, experience different AI products, and then research the companies behind them. The products you actually use and experience are often the investment areas where you have the best judgment. You know best what you actually use. As a consumer or user, combine your real-life experiences with research into the underlying investment and business logic. What you discover this way is often closer to the market reality.