How to allocate a million in funds? My "three-stage" model will get your returns rolling
Someone asked me: "If you make 1 million in the crypto world, will you put it all in USDT for annualized returns?"
My answer is very clear: No.
The reason is simple: The value growth logic for large funds is not to "collect interest", but to operate structurally, allowing every cent to earn interest at the right rhythm.
Why can't I put everything into collecting interest?
The annualized return on USDT looks stable, but the actual returns are limited. More importantly, idle funds mean missing opportunities. Market fluctuations, arbitrage, and black swan opportunities often require a "prepared position" to capture.
My "three-stage" fund model
I divide the funds into three layers, balancing stability, arbitrage, and explosive power:
20% Stability Layer (Bottom Guarantee)
Used for USDT spot interest, new listings on exchanges, node pledges, and other low-risk returns.
Purpose: Provide stable cash flow and avoid psychological imbalance caused by short-term fluctuations.
50% Arbitrage Layer (Main Profit Engine)
Focus on strong certainty swing opportunities (such as rebounds after mainstream coins drop 15%, high turnover rate for new coins).
Strictly set stop-loss points, with a single profit target of 5%-10%, accumulating small victories for larger wins.
30% Opportunity Layer (Critical Chips)
Used for black swan events and early layout in new tracks (such as inscriptions, Layer2 airdrops).
Key: Do not act usually; only strike when clear signals appear in the market.
Case: How to use the model to seize opportunities
For example, when ETH drops from $3400 to $3100:
The arbitrage layer opens long positions in batches, with stop-loss set below the previous low, capturing rebound profits;
If there is an extreme drop, the opportunity layer can average down the cost;
The interest income from the stability layer can hedge part of the volatility risk.
Effect: Funds are always in motion, with diversified sources of income, far more resilient than single interest.
The real risk in the crypto world is not market fluctuations, but funds being in a passive state. Through layered management, you can defend and attack — this is the rhythm that large funds should have.
Follow Lao Xiao @luck萧 , no boasting or empty promises, just sharing practical experience that can help you survive in the circle. The team still has positions available, whether to join depends on you? #合约带单
