三代人的投资哲学

婴儿潮一代（1946-1964）：稳健保守
投资理念：长期持有，价值投资
风险偏好：极低，追求稳定收益
对crypto：基本拒绝，认为是泡沫

X世代（1965-1980）：谨慎理性
投资理念：分散投资，专业理财
风险偏好：中低，相信专家建议
对crypto：小额试水，主要配置BTC/ETH

千禧一代&Z世代（1981-2012）：激进创新
投资理念：趋势跟踪，情绪驱动
风险偏好：极高，all-in单一赛道
对crypto：深度参与，钟爱meme币

Investment Philosophies Across Three Generations

Baby Boomers (1946–1964): Conservative & Cautious

Investment Approach: Long-term holding, value investing

Risk Appetite: Very low, seeking stable returns

View on Crypto: Mostly reject it, see it as a bubble

Generation X (1965–1980): Careful & Rational

Investment Approach: Diversified portfolios, professional financial advice

Risk Appetite: Moderately low, trust in expert recommendations

View on Crypto: Small-scale exposure, mainly BTC/ETH

Millennials & Gen Z (1981–2012): Bold & Disruptive

Investment Approach: Trend-following, emotionally driven

Risk Appetite: Extremely high, often all-in on a single bet

View on Crypto: Deeply involved, passionate about meme coins