Is it true that in order to invest or make money, one can only do so by speculating the rise and fall of investment product prices? The answer is no. Throughout the history of world investments, true investment masters have all managed to avoid the difficulty of having to speculate price changes in order to achieve success in investment. So what methods did they use to bypass such difficulties and attain success? The author believes that the effective investment methods of these masters can be summarized into 3 categories.