When it comes to global asset allocation, the biggest concern isn't market volatility but "tools holding you back." I deeply understand this: cognition determines the upper limit, but tools determine the lower limit. Many friends aren't lacking vision; rather, their patience is worn down by complicated cross-border procedures—opening accounts requires visiting banks, currency exchanges have quota limits, funds take a long time to transfer, and by the time the money arrives, the market has often already moved through most of its cycle. It wasn't until I systematically engaged with and deeply experienced