xiyu|3月 21, 2026 11:07
If you're determined to get involved in the crypto market, there aren't many paths to choose from.
The most stable one: Dollar-cost average into $BTC. Set a fixed amount to buy every month, don’t check the charts, and hold for at least 4 years. Historically, any 4-year holding period has yielded positive returns. Not sexy, but the math is on your side.
A bit more advanced: Allocate 90% of your portfolio to dollar-cost averaging into $BTC and $ETH, and use the remaining 10% to bet on altcoins. The key is to mentally accept that this 10% could go to zero.
Even more advanced: Increase your $BTC dollar-cost averaging when the fear index is low, and reduce it when the fear index is high. Just like I wrote in my recent article about dollar-cost averaging systems.
If you have technical skills: Arbitrage between spot and futures markets, or exploit the basis differences between exchanges. Annualized returns can range from 10-30%. But this requires significant capital and engineering effort—it’s not something you can casually dabble in.
All these paths have one thing in common: none of them are "coin trading."
Coin trading is chasing green candles and panic selling on red ones. The three paths above are systematic asset allocation. The difference is that the former relies on luck, while the latter relies on discipline.
Choose whichever path you want, but don’t fool yourself into thinking you’re "investing" when you’re actually gambling.
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