Bitget Interview with Nico: Investment Insights — A Programmer Who Loves Investing, AI-Powered Efficiency, and U.S. Stock Investment Principles
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Bitget Interview with Nico: Investment Insights — A Programmer Who Loves Investing, AI-Powered Efficiency, and U.S. Stock Investment Principles
Unity of knowledge and action—waiting is also an operation.
Navigating Web3 tides with focused insightsU.S. equities and cryptocurrencies are currently the two most closely watched asset classes by global investors. How do you build your own investment system from scratch? How do you stay calm when market sentiment runs high—and act decisively when markets slump?
Today, we’re joined by Nico, author of “Investing Done Right” @tychozzz. He describes himself as “a programmer who loves investing.” After starting his career, he gradually realized the importance of investing—and dove deep into U.S. equities and crypto. Today, he shares investment insights and educational content on X and YouTube, specializing in guiding beginners from zero to one in U.S. equities and crypto.
From Programmer to Investor: How AI Makes Investing Simpler
A computer science graduate, Nico became a software engineer after graduation. But soon after entering the workforce, he began realizing something critical: relying solely on salary is far too slow for meaningful wealth growth. So he started studying investing—especially U.S. equities and cryptocurrencies.
Initially, programming and investing ran on parallel tracks. “In 2023 and 2024, programming had little direct relevance to investing,” he said. But over the past one to two years, the AI boom has naturally fused the two.
“Now, writing code to configure and customize AI tools—and using AI to assist with U.S. equity investing—is second nature for programmers.” In his daily workflow, AI handles massive information-processing tasks—reviewing financial statements, analyzing technical indicators, summarizing daily developments across crypto and global financial markets. “In just half an hour, I know what’s happening globally. That’s where AI delivers the biggest impact.”
His computer science background also sparked an idea: building his own website. “I’ve always wanted my own site—so I merged programming with finance-focused content creation, launching an investment navigation site that aggregates my past articles. It’s quite helpful for absolute beginners.”
The Turning Point: Lessons from Altcoins to “Less Is More” in U.S. Equities
What truly reshaped Nico’s investment thinking was a detour through the crypto world.
When he first entered crypto, he acted like many newcomers—buying altcoins at every opportunity. “Back then, every altcoin seemed to promise 10x or even 100x returns—so I bought the top token from each sector. Then came a broad-based market downturn, and nearly all those altcoins crashed hard. I realized I’d bought too much, couldn’t monitor everything properly—and ended up earning very little.”
This lesson directly shaped his later approach to U.S. equities. “I no longer buy dozens of stocks. Instead, I stick to a few I’ve thoroughly researched—stocks whose business models I understand and whose fundamentals I believe in. Holding five or six positions feels right; ten would already be plenty.”
Nico repeatedly emphasizes one phrase on his channel: “Less is more.”
“Just focus on the few stocks you know best. For example, I’m most bullish on NVIDIA, Tesla, Google, and the ‘Magnificent Seven’—the U.S. equities I consider most predictable. I concentrate exclusively on these, studying them inside out: when to buy, when to sell, how fast they’ll grow, and how much upside they hold. Once I deeply understand them, investing feels secure—and paradoxically, that security often yields better returns.”
Alignment of Knowledge and Action: Waiting Is Also an Action
From December 2025 to March 2026, Nico made almost no trading moves.
This wasn’t due to missing opportunities—but because he was adhering strictly to his investment discipline. “Whenever I feel the urge to act impulsively, I pause and ask myself: Why didn’t I buy earlier? Why am I waiting now? Then I cross-check current market sentiment and price action to verify whether my reasoning holds.”
He calls this state “alignment of knowledge and action”—ensuring thoughts match deeds. “If your mind and actions aren’t aligned, the market will eventually punish you.”
During this waiting period, U.S. equities remained in a consolidation phase. He admits there were always ‘meme stocks’ surging several-fold—yet missing those didn’t bother him. What would have troubled him was missing his highest-conviction names—but during December 2025–March 2026, that never happened. Waiting, he stresses, is itself a deliberate action.
S&P’s 200-Day Moving Average & Pyramid Position Sizing: Turning Uncertainty Into Executable Strategy
Nico follows a concrete, actionable buying strategy built around two core concepts: the 200-day moving average and pyramid position sizing.
“The 200-day moving average acts like a bottom-fishing signal. Over recent years, the S&P has consistently found strong support near its 200-day MA—making it a relatively low-risk entry point.” He doesn’t believe markets can be precisely predicted—or that investors should chase perfect timing. “Some people wait for a total crash—holding off until the S&P or Nasdaq drops 50% before buying. I don’t recommend investing with that mindset.”
Near the 200-day MA, he deploys a pyramid-style accumulation approach. “I preset a maximum drawdown threshold—for instance, 25 points. Starting from the 200-day MA, I divide my planned purchases into four or five tranches—buying progressively larger amounts as prices fall further.”
But this strategy requires one prerequisite: holding sufficient cash reserves. “If you keep adding positions while the S&P is near highs, you may run out of cash when the real correction hits—and be forced to watch helplessly as prices drop. So when markets are strong and sentiment is euphoric, you should actually be *more* cautious—and preserve more ‘cash ammunition.’” Earlier, he took partial profits on Google and Tesla during their strong rallies, deliberately keeping dry powder for future opportunities.
Why Nico Chooses Bitget for U.S. Equity Trading
On Bitget’s U.S. equity offering, Nico’s assessment is straightforward.
“The biggest advantage is low barriers to entry—no address verification, no income proof, no paperwork at all. Deposits are extremely convenient, bypassing traditional bank wire processes entirely.”
For many crypto-native users, opening accounts with traditional brokers involves cumbersome procedures and high thresholds—often discouraging participation altogether. Bitget offers U.S. equities via tokenized instruments, giving retail investors a new, accessible gateway to U.S. equity exposure—without needing offshore brokerage accounts.
“This is one of the easiest ways for retail investors to access U.S. equity investing.” he says.
Nico’s Investment Q&A: Holdings, Pitfalls, and Advice for Beginners
Could you share your current portfolio?
I hold all members of the ‘Magnificent Seven’ except Apple. In semiconductors, I hold AMD. In early March this year, I added three new positions: PLTR—I see it as a standout in the AI application layer; Robinhood—essentially a brokerage, but now aggressively expanding into crypto, tokenized U.S. equities, and prediction markets, which I view as a highly promising pivot; and Micron, in memory/storage, benefiting from sustained AI-driven demand for compute infrastructure.
What pitfalls have you encountered trading U.S. equities?
The most classic misstep was Circle. During its IPO in July–August, FOMO drove the stock sharply higher. My mistake was entering too early—at around $180—resulting in significant paper losses. The stock itself is fundamentally sound, but poor timing led to subpar—or even negative—returns. That’s simply a flawed investment strategy.
In short: timing matters.
For young investors with limited capital looking to enter U.S. equities, what advice would you give?
First, invest in yourself—excel in your primary job, or develop side hustles to create a second income stream. If your cash flow is tight, prioritize your main profession first. When you reliably earn enough each month—and can allocate part of it to investing—you’ll feel genuinely secure. But if you trade with minimal capital, emotions easily spiral: you might go all-in or double down recklessly—and lose everything fast. That’s not sustainable wealth-building.
Once you’ve accumulated sufficient capital, start with lower-risk assets—such as S&P or Nasdaq index funds. Then expand into large-cap, highly predictable, widely accepted names like the Magnificent Seven. Finally, explore sectors you truly understand.
For example, as a programmer, I follow AI closely—testing different AI products firsthand—then research the companies behind them. The products you actually use and experience give you the strongest intuition for evaluating investments. As a consumer or end user, your daily, real-world interactions provide invaluable insight into underlying business logic and investment rationale—yielding analysis that reflects market reality far more accurately.
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