Recently, I've received quite a few inquiries: "I have 10,000 yuan idle, how can I reasonably allocate crypto assets?" "With 500,000 yuan, what investment targets should I choose for more stability?" These questions reveal that more and more people are starting to focus on "allocation" rather than simply chasing gains and panic selling. To be honest, there is no one-size-fits-all answer for crypto asset allocation, but there is a general logical framework that can be referenced. I have been involved in this field for over five years, and today I will share the allocation strategies I’ve summarized from practice. Both beginners and experienced players can directly apply these, along with a pitfalls avoidance guide.

First, you need to clarify one thing: **What is the goal of crypto asset allocation?** The answer is straightforward—diversify risk and achieve steady appreciation. Many people make the mistake of mixing allocation with gambling, pouring all their money into a small coin, fantasizing about overnight riches, only to most likely end up losing everything. Therefore, before starting to allocate, you must ask yourself a few questions: What is the maximum loss I can tolerate? How long do I plan to hold? These answers directly determine what your allocation plan will look like.

**For beginners with 10,000 to 100,000 yuan: Focus on learning, small positions for trial and error**

At this stage, the priority is not how much you earn, but how well you understand the market. I recommend the following distribution: 60% invested in mainstream high-quality assets like Bitcoin and Ethereum. Why? Because they have strong consensus, good liquidity, and relatively controlled volatility. Although their gains may not be as exciting as small coins, this provides ample learning space and helps preserve most of your principal.

The remaining 20% can be allocated to leading projects in niche sectors—such as top DeFi projects or NFT-related assets—these have growth potential but are not overly risky. The last 10% can be reserved as exploration funds to experience some innovative projects, serving as a "tuition fee" budget for yourself.

The remaining 10% should be kept in cash or stablecoins. This is not wasteful but an emergency reserve. When the market presents obvious opportunities or when rebalancing is needed, this liquidity will come in handy.

**Three core principles of allocation logic:** First, clarify your risk level and don’t be swayed by others’ returns; second, review periodically—adjust your positions quarterly or semi-annually; third, never invest in assets you don’t understand—"not understanding, don’t invest" is especially critical in the crypto space.

The crypto market moves quickly and offers many opportunities, but precisely because of that, it tests your discipline in allocation. Following a methodology can at least keep your risks within manageable limits.