A industry insider recently shared a sobering perspective—XRP reaching new highs doesn't mean your investment is safe. It sounds a bit harsh, but upon reflection, it does make sense.

Many people's logic is like this: price goes up = making money = winning passively. Little do they know, this kind of thinking is the easiest way to get into trouble. The market is unpredictable; it might surge today and fall back tomorrow, or even continue to dip. If you only buy and hold, it's like placing a bet at a casino and then walking away—whether you make money depends entirely on luck.

So, what should you do? The industry consensus is roughly these points:

First, maintain a long-term mindset. In highly volatile markets, short-term fluctuations can be frightening, but if you plan to hold for two or three years, your mindset can stay much calmer. This doesn't guarantee profits, but it helps withstand those scary intermediate swings.

Second, don't put all your chips into one coin. XRP, DOT, AVAX each have different ecosystem progress and risk profiles. Diversification reduces risk compared to putting all your eggs in one basket.

Third, focus on real application developments. Movements in cross-border payment collaborations for XRP, changes in regulatory attitudes, new features launching in various ecosystems—these are the factors that determine long-term value. You can't see this just by looking at candlestick charts.

Of course, this insider's view isn't absolutely correct. XRP does have potential in the payment settlement field, and the possibility of bank collaborations shouldn't be ignored. Additionally, during market euphoria, chasing gains can sometimes yield short-term profits, which is an objective reality.

The key is to think more about why you're buying this coin, what its story is, and its position in the market. Even if there are fluctuations, you'll have a clear understanding in your mind.