Most people entering crypto make the same mistake:

But in reality, crypto portfolios should be designed around your risk tolerance, experience, and goals — just like any other asset class.

After working with dozens of investors, I’ve narrowed it down to 3 portfolio strategies that consistently deliver clarity, risk control, and growth.

Let’s break them down:

1. The Bitcoin-Only Strategy

What is it about: We keep buying “the dips” on BTC —> price drops, we buy. Or set up a simple weekly/monthly DCA and buy on autopilot.

Typical allocation: 100% BTC or 90% BTC + 10% cash/stables

Who it’s for: Conservative investors who want exposure with minimal risk.

Why it works: Bitcoin is the King. The most known and battle-tested crypto asset. Traditional investors, institutions, and the big players are buying it as a hedge against inflation and devaluating currencies.

Key benefits:

• Simplicity

• Lower volatility than altcoins

• Easy to DCA and automate

✅ Use this if you believe in crypto long term, but want a low-maintenance setup.

2. The 60/40 Crypto Portfolio

What is it about: We mirror the traditional 60/40 equity/bond model, but with crypto.

Typical allocation:

• 60% goes into crypto (either BTC only, or a balanced strategy),

• 40% stay in stable coins (”bonds”).

Who it’s for: Investors looking to balance safety with smart growth.

Why it works: We have cash reserves to buy during the market crash, while having a simple strategy of taking profits throughout the bull market —> as crypto rises, the ratio changes, and we are taking profits to maintain a 60:40 ratio.

Key benefits:

• Diversification

• Controlled exposure to upside

• Taking profits and buying the dips

✅ Great for investors who are looking for a way to take out profits and buy in the dips without thinking too long about the current market situation.

3. The Balanced Strategy

What is it about: We create a bucket of cryptocurrencies, similarly to how indexes (S&P 500, Nasdaq, Dow Jones) do a bucket of stocks.

Typical allocation:

• 50% Core —> BTC/ETH/SOL

• 20% stables (for yield or buying dips)

• 30% altcoin narratives (e.g., Meme, AI, RWAs, DePIN)

Who it’s for: More active investors who want exposure to emerging trends.

Why it works: Combines fundamentals with momentum, but caps the downside. Provides balanced exposure to the core projects (like BTC), but also gives space to emerging trends.

Key benefits:

• Exposure to growth themes

• Capital preserved in stablecoins

• Room to rotate between narratives

✅ Ideal for investors who follow the market closely and want higher upside with limited downside.

Side note: This portfolio is dependent on the market cycle (”altseason”).

🧠 What This Means For Investors

There’s no one-size-fits-all crypto strategy.

But having a clear structure makes all the difference between “paper money” and realized gains.

These 3 strategies give you a starting point to structure your exposure.

Next Week:

We’ll dive deeper into the Bitcoin-Only Strategy — and why it’s still the best option for 80% of investors getting started.

Until then…

👉 Want help figuring out which strategy fits your goals? Book a 1:1 portfolio review here.

– Matt