A few days ago, a friend asked me: 'Teacher, if you really have 1 million U, would you convert it all to USDT and just let it earn interest while lying flat?'
I almost spat out the coffee I just drank; this question is like asking a race car driver: 'After you win the championship prize, will you save it all in a fixed deposit?'
Friend, in the world of large funds, stagnation is risk.
Money is not meant to 'wait for opportunities', but to be designed as a structure that can 'pounce on opportunities' at any time.
1. Why can't you eat interest with all your assets?
Inflation hidden loss: no matter how high the interest of stablecoins is, it is difficult to outperform the real opportunity earnings in the crypto world, let alone the potential systemic risks.
Mindset Transformation: When all your funds are in the 'Stable Layer', you may feel anxious during major market events, fearing to miss out or lose principal, ultimately getting hit from both sides.
Efficiency Trap: An annual interest of 8%-10% may only be a fraction of daily fluctuations in a bull market.
2. My 'Three-layer Position Model'
My own fund allocation has always followed a flexible three-segment structure, like a football team with a goalkeeper, midfield engine, and strikers.
① Goalkeeper Layer (20%): Steady enough for you to sleep
The mission of this part is to 'hold the bottom line': diversify into stablecoin wealth management, platform activities, and even some blue-chip staking.
Its existence is not to earn much, but to allow you to smile and scroll Twitter during a market crash: 'Fortunately, my base position is still generating small coins.'
② Midfield Control Layer (50%): Low-risk arbitrage, waiting for the prey
This is the source of the main profits, but it does not rely on guessing price movements, but rather on making high-certainty swings.
For example, a certain mainstream coin oscillated repeatedly in a critical range, and I led the community to open positions in batches, profiting from pullbacks and breakouts, with clear stop-losses and a profit-loss ratio of ≥3:1.
Opportunities like this happen only a few times a year, and the returns have far exceeded the interest.
③ Striker Opportunity Layer (30%): Keep bullets reserved, waiting for black swans
Never let the account be 'fully invested'! This part of the money is like special forces, usually inactive, but when it moves, it needs to see blood.
Sudden crash of a new coin? Old mainstream coins being collectively sold off? A certain ecosystem suddenly going bust? When others panic, you have the ammunition to pick up cheap chips.
Just like last month when a certain on-chain project failed to protect its value, I notified the community to follow the trend immediately, capitalizing on the 'first foot of panic'.
3. The structure of funds determines whether you are a passenger or a driver
Many people earn slowly, not because there are no opportunities in the market, but because all their money is 'lying in the trunk'.
Once the market starts, you either chase the highs or stare blankly.
The real rhythm is:
20% keeps you calm
50% allows you to steadily roll the snowball
30% lets you pull the trigger anytime
Even with only 100,000 U, you can scale this model proportionally. The key is not the amount but whether you have 'systematic thinking'.
A little interaction at the end
If the funds in your account are still 'dozing off', you might ask yourself:
When the next opportunity comes, can your position respond quickly?
During a market crash, do you still have bullets to pick up cheap assets?
I often tell the community: The cryptocurrency world does not reward hard work, only those who are well-prepared.
Follow me@加密崎哥 #加密市场观察 $BTC $ETH
