Investment allocation 100% into Earn – Be cautious and have a clear strategy

When deciding to allocate 100% of capital into Earn products (earning passive income from digital assets), investors need to clearly understand the level of risk, return, and liquidity of each platform.

Below is an example of a reasonable allocation:

40% into stablecoin (USDT, USDC) Earn: Placed on reputable platforms (Binance Earn, Bybit, OKX) with a stable APY of 4–8%, low risk, helping to preserve capital.

30% into top crypto (BTC, ETH) Earn: Earn interest in the same coin, profits may be higher but are affected by price volatility.

20% into DeFi Earn products: Use platforms like Aave, Compound, or staking on chain, but it is advisable to carefully check the security and smart contract risks.

10% reserve/liquidity: Always keep a flexible portion to respond when the market fluctuates.

Note: Do not go “all-in” on platforms with unusually high interest rates, and periodic assessments are necessary to optimize Earn investment effectiveness.