To The Moon

The Road to MillionDollars | In 2025, an increasing number of Tiger Brokers users achieved investment returns of millions of dollars.

Tiger Brokers launched the "The Road to a Million Dollars" series, getting close to these investors who achieved million-dollar returns and hearing their stories of how they thought, persevered, and grew.

For Tiger Brokers, investing is not just about profit and loss numbers, but a journey from dream to achievement. We hope these stories inspire more people to set their own investment goals, turning "millions of dollars" from a distant dream into a visible and attainable milestone.

In this issue of the "Road to a Million Dollars" interview, we sit down with a special investor—BJJH, a veteran user born in the 1960s who has been active in the A-share, US stock, and options markets for a long time.

He is not a "natural talent," nor did he have "early bird" insider shortcuts. Instead, he spent 30 years turning investment into his own system of cultivation—steady, disciplined, anchored in value, trading mistakes for wisdom, and using compound interest to buy time.

Ⅰ | From A-shares to US Stocks: A Shift Driven by Asset Allocation Awareness

BJJH started investing at a very young age. After starting work and saving his first bit of capital, he entered the A-share market. After years of accumulation, he made a critical choice: allocating assets to the US stock market.

"After achieving certain returns in A-shares, I realized that global allocation is safer, so I started investing in US stocks."

For him, the market is merely a tool; diversifying risk and pursuing long-term steady growth is the core objective.

Ⅱ | Turning "Painful Losses" into the Most Valuable Turning Point

When mentioning his first memorable investment, he does not shy away from failure. In his youth, he once went "all-in" based on "insider information" from a high-level executive at a futures company. The result was a total liquidation (margin call) that left him in debt.

"This experience made me truly understand the risks of leverage; it was a very important lesson."

Since then, he made two fundamental changes:

1. Stop touching high leverage and switch to options as an auxiliary tool: * Focus on Seller strategies to earn time value (Theta).

   • No naked selling; putting risk first.

2. Every trade must have a contingency plan: * Visualize risks before failure.

   • Strictly execute the pre-set plan after failure.

This forms the bedrock of his investment style for the following decades: stability, restraint, and respect for risk.

Ⅲ | His Portfolio: Value as the Anchor, Opportunity as the Supplement

Today, BJJH’s primary allocation includes US stocks, Hong Kong stocks, ETFs, and options, with occasional swing trading. His core holdings follow two major directions:

① Uber He reached a clear conclusion based on industry analysis and valuation:

• Global mobility leader with an incomparable footprint.

• Current valuation is still not expensive.

• Long-term growth potential in businesses like Robotaxi.

• The only top-tier domestic competitor in the US is $Lyft, Inc.(LYFT)$ .

• He is also a "Didi shareholder."

"I am bullish on the global mobility industry and the long-term value of $Uber(UBER)$ ."

② Pharmaceuticals (Representative: Pfizer) He chose Pfizer because it was severely undervalued while at a long-term low.

"I generally do not choose hot stocks."

This is a habit deeply influenced by Benjamin Graham—buying what is cheap and avoiding the hype.

Ⅳ | $Alphabet(GOOG)$ : The Investment That Gave Him the Most Accomplishment

Over the past year, his most satisfying investment was $Alphabet(GOOG)$ . When the stock price dropped to the $160s, he believed the market had clearly "misidentified" the situation:

• Fundamentals remained excellent.

• Valuation was clearly undervalued.

• Market sentiment drove an irrational sell-off.

Subsequent gains proved his judgment correct. The fact that $Berkshire Homes, Inc.(BKSH)$ also built a position during the same period gave him a knowing smile:

"Both Buffett and I are cautious about tech stocks, but this time we truly saw a return to value."

Ⅴ | The "Gold Ingot" Ritual: Tangible Compound Interest

Regarding the moment he received the physical "Gold Ingot" (Tiger Brokers' milestone award), he said:

"I am very happy; the craftsmanship is exquisite, and it’s a great way for the company and customers to grow together."

For a steady investor like him, the ingot is a spiritual reward:

• Confirmation of staged achievements.

• A physical witness to long-term persistence.

• A mark of self-motivation.

It makes investing more than just cold numbers; it becomes a journey worth looking back on.

Ⅵ | Evaluation of Tiger Brokers: Useful, but Can Be Better

He provided two direct points:

• What he likes: Fast information updates, a good community atmosphere, and professional tools like K-line charts and option chains.

Ⅶ | His Investment Creed: A Golden Rule for a Lifetime

The greatest gain investing has brought him is the continuous evolution of learning and thinking. His investment creed consists of just one sentence:

"Earn money from compound interest; restrain the impulse to speculate."

He compares speculation to a zero-sum game, where you earn "the opponent's money." In contrast, value investing and compound interest earn "the money of time." This has been the foundation of his decades of investing.

Ⅷ | Advice for Novices: Sincere Words from a Senior

"I hope the losses I’ve experienced can help new investors avoid detours."

No passionate slogans, no "chicken soup" cliches—he simply hopes young people understand that investing is not a short-term skill, but a complete way of thinking.

Conclusion: The Steady Power of a Long-Termist

BJJH’s story tells us that investing does not require talent, aggression, or "insider news." It requires restraint, patience, independent thinking, respect for risk, and embracing compound interest.

As he has insisted for decades: "Restrain speculation, earn the money of compound interest."

May all those on the Road to a Million Dollars be like him—using time to achieve themselves and using compound interest to accumulate the future.

Tiger has created a "Premium Edition" million-dollar milestone for users who achieve one million US dollars in returns by 2025, paying tribute to every investor who reaches the pinnacle. Simultaneously, it has also launched a "Dream Edition" million-dollar milestone, representing investment beliefs and goals, hoping to accompany more investors on their journey to achieving their own million-dollar milestone.