Entering the world of cryptocurrencies can seem challenging at first: many technical terms, different currencies, and risks everywhere. But the truth is, with a little organization and prudence, it's entirely possible to start with an affordable amount—like $100—and build a diversified and secure portfolio.
In this guide, we show you step by step how to invest that amount responsibly, taking advantage of the best the crypto market has to offer—even if you're just starting out.
Before we begin, a fundamental warning: know your investor profile before jumping in. Understanding your risk tolerance is key to deciding how much of your capital can be allocated to the crypto world, especially considering its high volatility.
What is a crypto portfolio?
A cryptocurrency portfolio is the set of digital assets you own: Bitcoin, Ethereum, stablecoins, among others.
As with traditional finance, the idea is to diversify: not put all your money in a single asset. Why? Because cryptocurrencies don't behave the same way at the same time. While one falls, another can rise. This strategy helps mitigate risks.
How to distribute your $100
One of the most common mistakes among beginners is investing entirely in a single currency based on intuition or an external recommendation. Ideally, this amount should be divided into assets with different risk profiles and functions. Here's a practical suggestion for doing so more safely:
A) 50% in consolidated cryptocurrencies ($50)
Bitcoin (BTC): The best-known cryptocurrency, with lower relative volatility and a high level of global adoption.
Ethereum (ETH): The second largest cryptoasset, critical for Web3 applications and smart contracts.
These coins are considered the most stable in the ecosystem. If you research cryptocurrencies, you'll likely find multiple references to them.
B) 30% in altcoins with potential ($30)
Altcoins are all cryptocurrencies other than Bitcoin. Some of those that have already demonstrated value include:
They are more volatile, but also offer greater growth potential. Ideal for those seeking moderate exposure to emerging projects with a certain level of maturity.
C) 20% in stablecoins or early-stage projects ($20)
Stablecoins like USDT or USDC maintain their value around $1. They are useful for protecting part of your capital and allow you to take advantage of specific market opportunities.
You can also use a small portion of this segment to test emerging projects. Be extremely alert to the risks!
Use trusted exchanges and wallets
To buy cryptocurrency, you need a secure platform. Exchanges like Binance, Bitso, or Ripio allow you to trade multiple assets. Look for options with a good reputation, robust security measures, and reliable customer support—especially if you're in countries like Argentina, Mexico, or Colombia, where crypto adoption is growing rapidly.
After purchasing, it's best to store your assets safely:
Hot wallets (online): Trust Wallet, MetaMask, Binance Wallet. They're convenient, but require careful handling of your keys.
Cold wallets (offline): Ledger, Trezor. More expensive, but offer maximum security.
Key tip: Enable two-factor authentication (2FA) and never share your seed phrase or recovery phrase.
Define an investment plan
Even with just $100, having a plan is essential. Think about these aspects:
Timeframe: Do you want to recover the money in six months or are you thinking long-term?
Objective: Increase capital? Learn how the market works? Explore different assets?
Future contributions: Are you going to continue investing regularly?
Here again, your investor profile is crucial. The clearer your risk tolerance, the more successful your decisions will be.
A useful strategy if you plan to continue investing is DCA (Dollar-Cost Averaging): contributing a fixed amount each month, regardless of the current price. This helps reduce the impact of volatility.
Stay informed
The crypto ecosystem changes rapidly. What's promising today may not be so promising in six months. That's why it's vital:
Read reliable and up-to-date media (such as Binance Square);
Participate in Telegram, Discord or X communities that share relevant news;
Research the foundations of each project: Who's developing it? What problem do they solve? What do experts think? What does their roadmap look like?
Information is your best defense against scams or bad decisions.
Invest only what you are willing to lose
This is perhaps the most important advice:
Don't invest money you need for essential expenses;
Anticipate volatility and don't make impulsive decisions;
Be patient and have a long-term vision.
If losing $100 affects your monthly budget, it might not be the right time. But if it's an amount you can let grow while you learn, it can be a great start.
And yes, we insist once again: know your investor profile before taking the first step into the crypto world.
Yes, you can start a crypto portfolio with $100.
With less than $100, you can start your journey in the crypto world safely and intelligently. The key is to diversify, choose reliable platforms, protect your assets, and, above all, invest wisely.
You don't need to get everything right from the start. The most important thing is to start cautiously, learn along the way, and build your experience. In 2025, with more tools and greater global adoption, there's room for those who want to start small—but strategically.
And you? When are you going to start your journey in the crypto world?
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Photo by pvproductions, available on Freepik
