About Manfu, and the person writing these words

Why this site exists

I've been in personal finance for over a decade, and I've watched too many people get pushed by the wrong words at the wrong time. These past couple of years, the crypto world has had no shortage of shilling, of bragging about wins, and of that "get on board now or you'll miss it" narrative. I watched people around me throw in down payments, retirement money, money they simply couldn't afford to lose — and then lie awake some night staring at a candlestick chart that turned from green to red. It sat poorly with me. That isn't investing; it's gambling wrapped in a layer of tech.

What Manfu wants to be is a different voice. I won't tell you which coin is about to go up, and I won't promise any number. What I can do is take "DCA" — a method that sounds boring but genuinely lets ordinary people stay in the market for the long haul — and write it down honestly: what its logic is, who it suits, when it'll make you uncomfortable, and why it's still worth sticking with. Slow is this site's attitude. Whether you get rich isn't up to me, but on the slow part, I can keep you company.

Who I am

My name is Chen Mo. I'm this site's editor and the writer of nearly every article. Before turning to crypto writing, I spent about 7 years working as a traditional fund and financial adviser. In those years, what I faced daily wasn't candlestick charts and hot tips, but the balance sheets of ordinary families: the tuition due next year, the home they wanted in three years, how much was still short for retirement, whether this bit of spare cash could really be touched. The thing I did most was assess risk tolerance, and then, when a client was eager to chase some hot product, ask: "if it dropped by half, could you sleep?"

That experience left me with two habits I can't shake. One: with everything, first work out "how much can you afford to lose," and only then talk about how much you could earn — I've seen too many who reverse that order, and how it tends to end. Two: a natural allergy to all the "guaranteed profit, no loss" and "miss it and it's gone" talk, because I know all too well how those lines get used to push ordinary people into the decisions they should least make. Part of why I left that industry was that I'd had enough of being pushed by performance targets to sell things; what I'd rather do is explain the method clearly and let people decide for themselves.

From 2020, I began shifting part of my portfolio into crypto DCA. I mean "part" seriously — it's only a small slice of my overall assets, the slice I added only after thinking it through to "even if it goes to zero, my life isn't affected." I use the very dumb method this site repeats: only spare money, mechanical monthly buys, no watching short-term swings, no panic-selling in a crash. Over these years I've done my own DCA, kept my own records, reviewed my own results; the pits I fell into (early on, I too couldn't resist the urge to "buy the dip" and add) and the things I figured out, written down, became the notes you're reading now. I don't write "how much I made"; I write "how I managed to hold on through this kind of volatility" — the former is useless to you; the latter is the genuinely hard part of DCA.

This site's position

There are a few lines I'll always hold; writing them here is also a public constraint on myself:

• Education first. The purpose of everything here is to help you think the method through, not to rush you into an order. I'd rather you read an article and decide not to invest than invest in a fog.
• Transparent referral disclosure. The links to Binance on this site are a referral relationship; if you register and trade through them, Binance may pay Manfu a referral service fee — this costs you nothing extra. I write this at the top of every page, and I've also written a full disclosure page, because I believe readers have a right to know what keeps a site alive.
• We never touch your money. Manfu is a content site; we hold none of your funds and provide no trading, custody, or managed-account services. Your assets stay in your own hands, on a platform of your own choosing, from start to finish.
• Wrong gets corrected. I'll make mistakes, data will go stale, and judgments may be overturned by time. When I find a problem I'll correct it publicly, not quietly change it and pretend nothing happened. All corrections go in the corrections log.

Editorial principles

Manfu isn't a content factory; I hold a few hard rules for what I write:

If you spot anything inaccurate on the site, even just a typo, please write to me: privacy@manfubiji.com. I treat readers' corrections as gifts, not nuisances.

Finally

I don't expect this site to change anyone's fate overnight — I don't believe in that, and I won't write it. I only hope that, the day you seriously consider whether to use DCA to take part in the crypto market, there's an honest record here that doesn't con you, that says the hard things up front, to keep you company while you think it through slowly. Going slow is fine.