My Investment Strategy for 2026 and the Composition of the PCI Cryptocurrency Index
When I redesigned my investment strategy for 2026 the day before yesterday, I felt a bit lacking; I didn't think it through clearly at the time. My basic design (now abandoned) was:
30% QQQ + 25% SCHD (reinvestment) + 25% EWJ (reinvestment) + 15% IBIT + 5% ETHA
This strategy locks in the U.S. technology and AI dividends through the Nasdaq 100 index in U.S. stocks, which is the largest portion. I remain optimistic about the development of tech stocks and AI in 2026.
Then, I use the Schwab U.S. Dividend Equity ETF (SCHD) to generate internal compounding through reinvested dividends, smoothing out the high volatility of QQQ. Essentially, this part replaces the U.S. Treasury yields from 2025. With expectations of continued interest rate cuts in 2026, U.S. Treasury yields are likely to decline, and continuing to invest in U.S. Treasuries may yield lower returns.
Next, the iShares MSCI Japan ETF (EWJ) covers large and mid-cap listed companies in Japan, betting on continued interest rate hikes in Japan in 2026 to capture the appreciation of the yen and diversify the risk of a single U.S. market.
So the first three components are fighter jets in U.S. stocks + high stability through compounding + non-U.S. dollar asset hedging.
Together, these three account for 80% of the investment amount, making it a relatively stable combination. This approach is similar to investing large sums in Bitcoin within the cryptocurrency space. The remaining 20% of funds should be invested in higher-risk assets that may offer greater returns.
Initially, I chose 15% in $BTC and 5% in $ETH, but after thinking it over for a night, I realized this investment wasn't appealing and didn't represent the overall development of the cryptocurrency industry. Even if cryptocurrency performs well in 2026, this investment approach may not yield greater returns and remains relatively conservative.
Therefore, I want to design a combination investment that can merge cryptocurrency cycles and growth dividends.
So far, I have a basic understanding and a preliminary combination.
Weight Summary — —
BTC: 25%
Public Chain System (reinvestment): 25% of which
$ETH 17% + $SOL 8%
Platform Coin System (reinvestment): 25% of which
$BNB 12% + $OKB 8% + $BGB 5%
Listed Company System: 25% of which
Robinhood 12% + Coinbase 8% + Circle 5%
In this combination, Bitcoin remains the value anchor, while public chains serve as the core. These two combinations speak for themselves, and POS can be staked and reinvested. The upcoming platform coins provide cash flow and cyclical growth exposure, especially since these three platform coins have the effect of a "golden shovel" and can also be used for reinvestment. Finally, the listed company system is to ensure that I do not miss out on compliance dividends.
I referenced the formula for QQQ for the index shares, and I wrote a piece of code where all the logic is contained.
Code address: https://x.com/i/grok/share/Dx6JltxLqh2WVrTgcif3825R3
This part corresponds to the final 20% of my investment portfolio for 2026, which I have given a simple name: Phyrex Crypto Index (PCI). Thus, my investment portfolio for 2026 is complete.
30% QQQ + 25% SCHD (reinvestment) + 25% EWJ (reinvestment) + 20% PCI (reinvestment)
I plan to start buying this combination on the first trading day of each month starting in 2026, intending to invest $10,000 each month. This means buying:
$3,000 of QQQ
$2,500 of SCHD
$2,500 of EWJ
$2,000 of PCI
Of which: $500 in BTC, $340 in ETH, $160 in SOL, $240 in BNB, $160 in OKB, $100 in BGB, $240 in $HOOD, $160 in $COIN, $100 in $CRCL
This is the current plan. If it matures, I intend to keep investing in this combination until early 2029.
I welcome discussions from everyone.
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