Bitcoin is your hedge against fiat debasement. Ethereum is your exposure to decentralized tech utility. Stables are your dry powder for crashes and optionality.
Retail pours 50% of portfolio into altcoins, gets wiped out on a bad news cycle, and exits after a 70% loss. Altcoins are speculation, not allocation. They belong in 0-10% of portfolio only.
50% Bitcoin, 30% Ethereum, 10% stablecoins, 10% altcoins (LSD-staking or Solana only). Rebalance quarterly. Avoid leverage. Sleep well.
Bitcoin moves 10x over 5 years. Ethereum 5x. Altcoins either 50x or go to zero. By holding the core (BTC + ETH), you capture the upside without the bankruptcy risk of altcoin roulette.
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