If you’re here, you’re probably not a day trader. You’re not looking for quick pumps, moon shots, or the next 100x shitcoin. You’re here because you want to build something solid, a long-term crypto portfolio that doesn’t keep you up at night with every market twitch. So, let’s talk about how you actually do that.

But first, let’s be honest: no matter how much you know, you’ll still make bad decisions. I’ve made mine. Chased a hype coin, thought I was catching a dip, and ended up holding a sinking rock. That’s the reality—mistakes happen. But the goal is to minimize them, to learn from them, and to stack smarter each time.

The first thing you need to understand is this: not all cryptos are created equal. Bitcoin (BTC) is your foundation. It’s the digital gold, the ultimate store of value, and no matter what anyone says, it’s not going anywhere. I’d say 50-60% of your portfolio should be in Bitcoin. This is your safety net.

But you want more than just Bitcoin. Ethereum (ETH) is next, and it’s not just an option—it’s a MUST-HAVE. It’s the backbone of decentralized finance, smart contracts—basically the entire Web3 world. And here’s the thing: Ethereum is constantly evolving. It’s not just a cryptocurrency—it’s a living, breathing ecosystem. Developers are relentless, pushing updates, improving scalability, cutting gas fees. The Ethereum Merge? A game-changer. And they’re just getting started.

Now let’s talk about Solana (SOL). This isn’t just another altcoin—it’s another MUST-HAVE. Solana has faced its share of challenges, but it keeps coming back stronger. Fast, low-cost transactions, a thriving developer community, and a relentless focus on optimization. When network issues hit, they fix them. Solana doesn’t just survive—it adapts. If you’re not betting on ETH, SOL is your next best bet—though I’d argue both deserve a spot in your portfolio.

How do you buy? Dollar-Cost Averaging (DCA). This means buying a set amount at regular intervals—daily, weekly, or monthly. It all depends on your style. Are you the passionate stacker, who buys every day, catching every tiny dip? Or are you the calm hodler, who calmly adds once a month, no matter what the chart shows? Both work, as long as you’re consistent. The key is not letting your emotions take over. DCA is how you stay rational in an irrational market.

And that’s crucial because FOMO is your worst enemy. I’ve been there. Seeing something drop 5%, thinking it’s the dip of a lifetime, and rushing in, only to watch it drop another 20%. Or buying a coin that’s all over X (formerly Twitter), thinking it’s the next big thing, only to watch it crash the next week. If your portfolio is burning red, let it burn. Don’t rush to buy just because it’s falling. At most, park your money in stablecoins (USDC, USDT, FDUSD or just USDC if you’re in the EU) until you see a real opportunity.

And let’s be honest—there’s always a new hype coin. Every month, something is the next big thing. But I promise you, I’ve seen countless “promising projects” get hyped to the moon and then vanish without a trace. Don’t fall for it. If you can’t remember it a year from now, it’s not worth buying.

On Binance, you want a solid BNB stake, especially for the airdrops. But it’s not just about airdrops—BNB also gives you trading fee discounts, making every trade cheaper. 20-25% in BNB is solid. After that, your altcoin choices should be strong, established projects—ETH, SOL, maybe another one you trust. Use another 20% for these.

The remaining 10%? Sure, throw it at some moonshot coins if you want. SHIB, DOGE, PEPE—whatever you think might pop off. But understand this: they might be worth nothing in three years, and that’s fine. You bought them for the thrill, not the future.

Your portfolio could look like this:

  • 50-60% Bitcoin

  • 20-25% BNB

  • 20% ETH and SOL (both are MUST-HAVES)

  • 10% Moonshots (SHIB, DOGE, PEPE)

Keep it simple, keep it strong. If you’re here for long-term gains, act like it. The goal isn’t to get rich overnight—it’s to get rich enough to stay calm.