The ideal crypto asset distribution depends on your risk tolerance, investment goals, and time horizon, but here’s a common framework you can start with, then tweak based on your preferences:
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Conservative (Low Risk)
Goal: Preserve capital with some exposure to growth.
Distribution:
60-70% Bitcoin (BTC) – Most established, store-of-value.
20-30% Ethereum (ETH) – Strong ecosystem, smart contracts.
0-10% Stablecoins (USDT/USDC) – For flexibility, yield farming, or hedging.
0-5% Altcoins – Minimal exposure to speculative assets.
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Moderate (Balanced Risk/Reward)
Goal: Growth with reasonable risk.
Distribution:
40-50% BTC
20-30% ETH
10-20% Altcoins (Solana, Avalanche, Chainlink, etc.)
10% Stablecoins
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Aggressive (High Risk/High Reward)
Goal: Maximize growth potential; okay with volatility.
Distribution:
30-40% BTC
20-25% ETH
30-40% Altcoins (Layer 1s, DeFi, Gaming, AI tokens, etc.)
5-10% Stablecoins or none
Notes:
Rebalance quarterly or after major price moves.
Keep track of macro trends, regulation, and layer-1 vs layer-2 evolution.
Consider staking or yield strategies for ETH, stablecoins, or altcoins for passive income.
Only invest in projects you understand and believe in long-term.
