How should crypto investors allocate their assets? This question troubles many people. Instead of blindly chasing gains and selling during dips, it's better to plan systematically.

Based on the risk-return balance, assets can be divided into three parts. First is the core holdings, which should constitute the largest proportion—about 50%. Bitcoin and Ethereum, as the two largest and most liquid cryptocurrencies by market cap, are standard in this category. Although they fluctuate, they are the foundation of the entire ecosystem in the long run.

Next is the allocation to potential growth tracks, around 20%. This portion is used to explore emerging DeFi projects and ecosystem tokens, allowing participation in ecosystem growth dividends while keeping risks relatively manageable. The key is not to over-allocate and to stay rational.

The remaining 30% in stablecoins may be a profit center overlooked by many. In traditional finance, idle funds often depreciate, but in DeFi, stablecoins can generate real yields. For example, with USD1, through lending mechanisms, you can earn a 1% interest rate, and stablecoin wealth management products can offer approximately 20% annualized returns. This means your stablecoin portion not only preserves capital but also continuously generates passive income.

The beauty of this allocation is that when mainstream cryptocurrencies' prices fall, the yields from stablecoins can effectively hedge risks, making the entire portfolio more stable. At the same time, this 30% in stablecoins provides sufficient liquidity for quick deployment when opportunities arise. If you are optimistic about the long-term prospects of a certain DeFi ecosystem, allocating some related ecosystem tokens is also a good choice, allowing participation in ecosystem growth without reducing the proportion of stablecoins.