Recently, the hottest topic in the crypto world is the massive entry of institutional funds. BlackRock's spot products saw inflows exceeding $3.5 billion in a single week, and JPMorgan and Goldman Sachs are also positioning themselves in on-chain assets, with many proclaiming that 'Bitcoin is about to break through 1 million.' But here's the question: with institutions buying, how should ordinary people position themselves to keep up with the rhythm, rather than taking the bait at high prices?
First, let me pour a bucket of cold water on everyone: institutional entry does not mean the market will keep rising. Last year, Bitcoin fell from 126,000 to 90,000, erasing the gains of the entire year, and many retail investors who chased the highs ended up losing everything, while institutions quietly bought in at lower prices. This is the difference between institutions and retail investors: institutions look at long-term value, while retail investors are often caught up in short-term fluctuations.
As an analyst who has been observing institutional trends for many years, I have 3 simple and easy-to-operate layout suggestions for ordinary people.
First, adopt a 'dollar-cost averaging + incremental position increase' strategy. Do not buy in all at once; instead, divide the funds into 12 parts, investing one part each month, and when the market corrects by 20%-30%, add 2 more shares. This way, you can average out costs and acquire more chips at lower prices.
Second, the core allocation is to 'blue-chip targets.' Allocate 60%-70% of funds to mainstream coins; they are like the 'digital gold' of the crypto world, with relatively small fluctuations and higher security in the long term. The remaining 30%-40% of funds can be invested in quality projects with practical application scenarios, such as leading projects in the Ethereum ecosystem and RWA track.
Third, pay attention to macroeconomic data. Bitcoin is now closely tied to the macroeconomic situation; data such as the U.S. unemployment rate and the Federal Reserve's interest rate meetings will affect market trends. For example, if the market expects interest rate cuts, Bitcoin often rises; if rate hikes are expected, the market may correct.
My personal strategy is to hold 60% of funds in mainstream coins, allocate 30% to quality projects in the RWA track, and keep the remaining 10% as emergency funds. Last year, when the market corrected by 30%, I increased my positions according to plan by 2 shares, and now I have made good profits. Remember, the advantage of institutions is their large capital and timely information, but the advantage of ordinary people is flexibility. As long as you find the right method, ordinary people can also get a share of the pie in a market dominated by institutions.
If you don’t know which quality projects to choose, or want to understand specific investment plans, follow me! In the next issue, I will organize a list of asset allocation suitable for ordinary people to help you position accurately. In the crypto world, choosing the right direction is more important than effort; following professionals can help avoid detours, what do you think?
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