little money requires planning, discipline and knowledge.

Let's take it one step at a time:

📌 First thing: Have a clear objective Before choosing where to invest, ask yourself:

👉 Do you want short-term profit or long-term growth?

👉 What is your risk tolerance? 👉 Do you understand the cryptocurrency market well or are you still learning?

With little money (say R$100 to R$5,000), the ideal is to think about gradual growth and diversification.

🛠️ Steps to a smart portfolio:

1️⃣ Educate yourself before investing: study how cryptocurrencies, tokens and the crypto market work. Study the projects of the currencies in which you will invest. This helps to avoid losses, anxiety, illusions, scams and hasty decisions.

2️⃣ Define how much you can afford to lose: The market is very volatile, and the value can rise or fall dramatically. Only invest money that you are willing to lose.

3️⃣ Divide the portfolio: A rule of thumb for small investors is something like:

60–70% in major cryptocurrencies: Bitcoin (BTC) and Ethereum (ETH), which are less volatile and have solid track records.

20–30% in promising altcoins: such as Solana (SOL), Polygon (MATIC), Cardano (ADA) or others that you believe have growth potential. Like XRP.

0–10% on riskier projects or new tokens: If you want to expose yourself to greater risk in search of greater gains (but also greater risk of loss), set aside a small portion for that.

4️⃣ Use reliable platforms: Choose safe and well-rated brokers (Binance, bybit, Coinbase, Mercado Bitcoin, etc.) to avoid problems such as scams or hacks.

5️⃣ Make Regular Contributions (DCA): Dollar Cost Averaging (DCA) means investing a small, consistent amount every month, regardless of the price. This helps reduce the impact of volatility.

6️⃣ Store securely: Consider using a cold wallet or a secure digital wallet to protect your crypto, especially if its value starts to grow.

7️⃣ Monitoring and adjustment: Reassess your portfolio from time to time (e.g. every 3 or 6 months) to see if you need to reallocate funds or adjust your strategy.

🚨 Important tips:

✅ Never put all your money into a single asset (not even Bitcoin).

✅ Avoid following “hypes” or tips from influencers without understanding the project. ✅ Be wary of promises of easy profits.

✅ Diversify not only in assets, but also in ideas (NFTs, DeFi, staking, etc. — but with caution!).

✅ Follow cryptocurrency news and immerse yourself in the crypto world to become increasingly familiar with the topic.