Bitget Dialogue with Nico: Programmers Who Love Investment, AI Efficiency Improvement and Principles of Investing in US Stocks

Today, we have invited Nico from Invest with Dao @tychozzz. He describes himself as "a programmer who loves investing." After starting his career, he began to realize the importance of investing and delved into the study of U.S. stocks and cryptocurrencies. Now, he shares investment insights and educational content on X and YouTube, focusing on guiding beginners from 0 to 1 in U.S. stocks and crypto.

From Programmer to Investor, AI Makes Investing Easier

With a background in computer science, Nico became a programmer after graduation. However, he increasingly realized one thing: relying solely on a salary, the speed of wealth growth is far from enough. So he began to study investing, particularly U.S. stocks and cryptocurrencies.

At first, programming and investing were two parallel lines. "In 2023 and 2024, programming had no direct impact on investing," he said. But in the past year or two, the explosion of AI has caused these two areas to naturally intersect.

"Now, writing code to configure and customize AI tools to assist in U.S. stock investment is a natural thing for programmers." In his daily workflow, AI handles a large amount of information processing—checking financial reports, looking at technical indicators, summarizing what happened in the crypto and global financial markets each day. "In half an hour, I can know what happened globally. This is where AI helps the most."

His background in computer science also inspired him to create his own website. "I have always wanted my own website, so I combined programming with financial media to create an investment navigation site that summarizes my previous articles, which is quite useful for beginners."

Epiphany: From the Lessons of Altcoins to "Less is More" in U.S. Stock Investment

What truly changed Nico's investment mindset 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 that time, I thought every altcoin had the potential for tenfold or hundredfold returns, so I bought a little of each leading coin in every sector. As a result, during the market downturn, most altcoins plummeted significantly." He realized that buying too many made it difficult to manage, and it was hard to earn substantial returns.

This lesson directly influenced his later approach to U.S. stocks. "I won't buy so many stocks anymore; I might just buy a few that I have researched, know what they do, and have some conviction in. Having a few is enough; ten is already a lot."

Nico often repeats a phrase on his channel: "Less is more."

"As long as you focus on a few stocks you are best at. For example, my favorites are Nvidia, Tesla, Google, and the seven giants of U.S. stocks; these are the ones I think have the highest certainty. I focus on these, thoroughly researching them—when to buy, when to sell, how high their growth potential is, and how much potential they have. After researching, these are all under control, and investing becomes more reassuring, which can actually lead to greater returns."

Unity of Knowledge and Action: Waiting is Also a Strategy

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

This was not because he couldn't see opportunities, but because he was adhering to his investment discipline. "Whenever I felt the urge to act, I would think about why I didn't buy before and reflect more on why I should wait. By combining this with the current market sentiment and trends, I could determine whether my thoughts were correct."

He summarizes this state as "the unity of knowledge and action." "What you think and what you actually do must be consistent. Otherwise, in the market, if you are not in unity, one day the market will teach you a lesson."

During this waiting period, the U.S. stock market was in a corrective phase. He admitted that there are always some stocks that multiply in value, and missing those opportunities is not a big deal. However, for the stocks he truly believes in, missing out would be somewhat disappointing—but during the period from December 2025 to March 2026, this situation did not occur. Waiting, in itself, is a strategy.

The 200-Day Moving Average and Pyramid Averaging: Turning Uncertainty into Executable Strategies

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

"The 200-day moving average is similar to a bottom-fishing signal. The S&P has had strong support at the 200-day moving average over the past few years; buying at this level has relatively limited downside." He does not believe in predicting market trends and does not pursue buying at the lowest point or selling at the highest point. "Many people wait for a major crash, hoping to buy when the S&P or Nasdaq is halved; I do not recommend investing with that mindset."

Near the 200-day moving average, he uses pyramid averaging. "I will preset a maximum drop, say 25%. Starting from the 200-day moving average, I will buy in 4 to 5 batches; the more it drops, the more I buy."

However, this strategy has one prerequisite—there must be cash reserves. "If you keep averaging up when the S&P is at a high level, when it actually drops, you may not have enough cash and can only watch it fall. So when the market is good and sentiment is high, you need to be more cautious and keep some cash on hand." He previously took profits on part of his positions when Google and Tesla had significant gains, leaving room for the next opportunity.

Why Choose to Trade U.S. Stocks on Bitget

When discussing Bitget's U.S. stock features, Nico's evaluation is straightforward.

"The biggest advantage is the low barrier to entry. No address proof, income proof, or various certifications are required. Depositing funds is also very convenient, without going through traditional bank processes."

For many crypto users, the complex process and high barriers of opening a traditional brokerage account often deter them. Bitget provides a new channel for retail investors to access U.S. stocks in the form of stock tokens, 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 investments," he said.

Nico's Investment Q&A: Positions, Pitfalls, and Advice for Beginners

Can you share your current position situation?

I hold positions in all the seven giants of U.S. stocks except Apple. In the semiconductor sector, I hold AMD. At the beginning of March this year, I also opened positions in three new stocks: 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 U.S. stocks, and prediction markets, and I am optimistic about its transformation direction; and Micron, in the memory storage sector, benefiting from the ongoing demand for computing power infrastructure driven by AI.

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

The most typical pitfall was with the stock Circle. In July and August, when Circle went public, everyone was very FOMO, and the stock price soared. The pitfall I encountered was entering the position too early, around 180 dollars, resulting in significant unrealized losses. The stock itself is good, but the timing of the entry was wrong, leading to poor returns, even losses. This is a relatively poor investment strategy.

So, the timing of entry is crucial.

What advice do you have for young people with limited funds who want to enter U.S. stocks?

My advice is to invest in yourself first, excel in your main job, or take on side jobs to create a second income stream. When cash is tight, it's best to focus on your primary job. When you have enough money coming in each month, setting aside a portion for investment will make you feel very secure. But if you have limited capital and still want to trade, your mindset can easily go wrong; you might go all in or gamble, which can lead to losing everything. This is not a healthy way to grow wealth.

Once you have enough capital, you can start trying lower-risk assets, such as index funds for the S&P or Nasdaq; then expand to large-cap, highly predictable stocks like the seven giants of U.S. stocks, which are widely recognized by the market; and then explore areas you are truly familiar with.

For example, as a programmer, I would focus on AI, look at the experiences of different AI products, and then research the companies behind them. The products you have truly used and experienced are often the areas where you have the best judgment for investment. When you are a consumer or user, combining real-life experiences with the investment logic and business logic behind them will yield insights that are closer to the market itself.