Continuing from the previous text, the main asset allocation initially focused on familiar cryptocurrencies such as BTC, ETH, and BNB. However, for an outsider, cryptocurrencies themselves are virtual and it is difficult to judge their quality. Therefore, the factors I considered returned to price, interest rates, and additional benefits. At that time, the price of BTC was about 20,000, with a low interest rate and no other uses. The price of ETH was around 1,000, with both regular and fixed interest rates in the middle and the ability to stake WBETH with a higher interest rate of about 3%. BNB, priced over 200, had relatively high interest rates for both regular and fixed periods. As it is Binance's own platform token, it offers discounts on transaction fees and the greatest benefit is the ability to participate in mining to obtain newly listed coins. Therefore, under limited capital allocation, BNB had the highest weight, followed by ETH, and BTC had the least. In fact, I started engaging with Binance at a good time, coinciding with CZ being fined, causing BNB to drop. After the market consolidated for a few months, it rose again, but since I was just starting to get into the crypto space, I was still exploring. Initially, I kept 70% of my USDT as a reserve to prevent market fluctuations, allowing for additional investment. Although the investment amount was not large, by the New Year of 2024, the funds on my account exceeded 10,000 USDT (at that time, I did not play with wallets, so the principal was all on the exchange).

What surprised me the most was OM, which had the shortest holding period and the highest return of all my investments. On December 5-16, 2023, I purchased a total of 713 units at an average price of 0.024027, costing 17.13 USDT. In fact, three months later, the price of OM rose to 0.32, and my holdings increased by over 10 times. The reason I bought OM at that time was due to its fixed interest rate of 15.9% for 90 days. So just like with all the altcoins I chose, I operated with fixed holdings to earn interest. Although the altcoins I selected all increased by more than double after six months of investment, many could not be sold in time due to their fixed periods and had already dropped after maturity, leaving me waiting. Meanwhile, OM rose for over a year, and the longer I held it, the higher the return. Finally, the interest rate became outrageous at 29.9%. I eventually kept over 200 units to earn interest, accumulating about 1 OM every 7 days. If the price is good, I sell; if not, I continue to keep a small fixed deposit. Once the price is favorable, I can sell directly; if not, I continue to hold, increasing operational flexibility. I consider this to be good planning. Cryptocurrencies can really be left alone, held long-term to earn interest, and sold when cash is needed. However, the more beautiful it is, the more risks lie within. (To be continued) $BNB $WBETH $BNSOL