Retail investors in the cryptocurrency world all know that 1 million USDT is a solid milestone. If you haven't reached this amount, it always feels like money is slipping through your fingers, with income coming in quickly but leaking just as fast; once you cross this threshold, it's like a snowball rolling downhill, and the momentum of wealth growth is unstoppable. If you can catch the wind of Bitcoin's market trends every year, the numbers in your account will keep climbing, and in the end, you'll truly feel like you have more money than you can spend.
However, that said, once you really save up to 1 million USDT, you should temper your excitement and stop messing around. At this time, you need to learn to spend the money wisely:
Let's start with the big chunk: 70% of your funds should be invested cautiously. Either directly hoard Bitcoin or buy USDC for capital-preserving investments, as in this day and age, preserving principal is more important than anything else; 20% of your money can be held in BNB, as you never know when you might benefit from platform airdrops—this kind of 'free money' should not be passed up; from the remaining portion, allocate 6% for spot trading, selecting some reliable coins; 3% can be allocated to riskier investments like meme coins, who knows, you might get lucky and make a profit; as for contracts, you should only allocate a maximum of 1% for that, as it carries too much risk and is purely for the thrill. If you don't want to take any risks at all, you can convert everything into stablecoins like USDT or directly invest in Binance's dual currency wealth management.
Speaking of wealth management, there are quite a few tricks involved. Take USDC, for instance, storing under 100 USDT can provide an annualized interest rate of 10.88%, which is tempting, but if you deposit 1 million USDT, the interest rate drops directly to 0.88%. However, doing the math, you can still earn 24 USDT daily, which is about 170 RMB, and even in high-cost cities like Beijing, it’s enough to cover three meals a day quite comfortably. If you happen to hit a Bitcoin bull market, using it for dual currency investment is even more cost-effective; the biggest advantage of this product is that even if the market is poor, the amount of Bitcoin you hold will only increase and never decrease, a surefire deal that anyone would be happy to engage in?
