Entering the world of cryptocurrencies may seem complicated at first glance. There are many technical terms, different coins, and risks involved. But the truth is that, with a little organization and caution, it is entirely possible to start with an accessible amount — like US$100 — and already build a diversified and secure portfolio.

In this guide, we will explain step by step how to invest this amount responsibly, taking advantage of the best that the crypto market has to offer — even if you are taking your first steps in this universe.

Even before we start the article, it's worth a specific recommendation: don't forget to consult your investor profile before starting this venture, as knowing how much you can tolerate in terms of risks is essential to determine how much of your investment portfolio can be allocated to cryptocurrencies, especially due to their high volatility.

First of all: what would a crypto portfolio be?

Before investing, it is important to understand the concept of a portfolio.

When we talk about a cryptocurrency portfolio, we are talking about the set of digital assets you own — such as Bitcoin, Ethereum, stablecoins, among others.

Just like in traditional investments, the idea of a portfolio is to diversify, meaning not to put all your money into a single asset.

Why? Because different cryptocurrencies behave differently at different times. When one drops, another may rise — and this helps reduce risks.

How to divide your US$100

One of the biggest mistakes beginners make is to invest everything in a single coin based on 'intuition' or 'someone's tip.' The ideal is to divide this amount into different types of assets, with distinct functions and risk profiles.

At this moment, we will present you with a practical suggestion on how you could carry out this diversification more safely:

A) 50% in established cryptocurrencies (US$50)

  • Bitcoin (BTC): The most well-known coin, with a solid history and lower relative volatility;

  • Ethereum (ETH): The second largest cryptocurrency, used in thousands of Web3 applications.

These coins are considered the 'safest' in the sector, with great liquidity and wide market acceptance. They are also the two most traditional ones, the ones you will most often find references to when researching.

B) 30% in promising altcoins (US$30)

Altcoins are all cryptocurrencies that are not Bitcoin. Some have already proven their value and continue to innovate:

  • BNB (Binance token);

  • Solana (SOL);

  • Polygon (MATIC);

  • Avalanche (AVAX);

These assets have more volatility but also greater appreciation potential — ideal for those who want to moderately expose themselves to the growth of new projects that are already at a certain stage of maturity.

C) 20% in stablecoins or early-stage projects (US$20)

  • Stablecoins like USDT or USDC maintain their value around US$1. They are useful for protecting part of the capital and can be used to seize opportunities in the market, almost as if they serve as a 'cash' for these moments;

  • You can also use part of those US$20 to buy small amounts of emerging projects, paying extra attention to the risk.

Use trustworthy exchanges and wallets

When buying cryptocurrencies, you need a secure platform to carry out your operations. These platforms are called exchanges, such as Binance. By the way, to open your account there, just go here.

Prefer exchanges with a solid reputation, good security practices, and efficient customer support. It is important to take all of this into account because, at the end of the day, the more confidence you have in the exchange, the greater the chance that you will expand your crypto journey using its tools.

After buying the cryptos, the ideal is to keep your assets safe, especially if you plan to hold them for a longer period:

  • Hot wallets (online): Trust Wallet, MetaMask, Binance Wallet. They are practical but require care with passwords and fraud;

  • Cold wallets (offline): Ledger or Trezor. They are more expensive but ideal for those who want maximum security.

Security tip: always remember to enable two-factor authentication (2FA) and never share your seed phrase (wallet recovery phrase).

Set an investment plan

Even with US$100, having a plan makes all the difference. You need to think at least about these three following aspects:

  • Timeframe: Do you want this money back in 6 months or are you thinking long term?

  • Goal: Multiply capital? Learn about the market? Test different types of assets?

  • Future contributions: Do you plan to invest more over time?

Do you remember what we discussed at the beginning about your investor profile? At this moment, this information becomes even more relevant because, based on your risk tolerance with cryptocurrencies, it will certainly be easier to answer all the other questions and, consequently, make better decisions.

If the idea is to continue investing, you can use a strategy called DCA (Dollar-Cost Averaging) — invest a small amount every month, regardless of the asset's price. This helps smooth out the effects of volatility.

Always stay updated

The crypto world changes quickly. What is promising today may not be in six months. Therefore, it is important to:

  • Follow reliable websites and sources (like this Square from Binance);

  • Participate in communities and forums on social networks that bring relevant information;

  • Study the fundamentals of the projects you invest in: who is behind them, what problem they solve, what the roadmap (evolution plan) is, and how crypto experts are evaluating that project;

Knowledge is your greatest shield against scams and bad investments.

Invest only what you can afford to lose

Finally — and perhaps the most important point: the cryptocurrency market is highly volatile. This means that prices can rise or fall sharply in a short period.

  • Never invest money that you need for bills or emergencies;

  • Expect fluctuations and avoid impulsive decisions;

  • Have patience and a long-term vision.

If losing US$100 would impact your month, it may not be the right time to invest. But if it's an amount you can leave 'working' while you learn, it's a great start.

Again, forgive our insistence, but this point is essential: know your investor profile before starting a journey in the crypto universe. Only then will you know what

Yes, it is possible to start a crypto portfolio with US$100

With less than US$100, you can already take your first steps in the crypto market smartly and safely. The secret is to diversify, use reliable platforms, maintain security, and, above all, invest conscientiously.

You don't need to get everything right on the first try. The most important thing is to start cautiously, learn from each step, and build your own path within the crypto ecosystem.

In 2025, with the increasing global adoption and new tools emerging, there is plenty of room for those who want to start small — and grow strategically.

If you haven't started yet, when will you begin your journey in this universe?

#trade #Portfolio #invest #CRİPTO

---

Photo by pvproductions, available on Freepik