Cryptocurrency allocation in retirement portfolios: Why you should beware of high-risk coins

RumbleValidator · 2025-12-31T21:40:10+00:00

When building a retirement portfolio, cryptocurrencies can account for up to 5% due to their high volatility. However, not all digital assets are worth investing in, as Dogecoin and Ethereum Classic have performed poorly. Investments should focus on projects with clear use cases and a healthy ecosystem to achieve a balance between returns and risks.

RumbleValidator

2025-12-31 21:40:10

Abstract generation in progress

【Crypto World】When building a retirement investment portfolio, cryptocurrencies are indeed a worthwhile option—just be sure to keep it in moderation. Experts generally believe that the allocation of crypto assets should be controlled within 5%, for a very simple reason: volatility is extremely high.

But the problem is, not all digital assets are worth touching. Take Dogecoin (DOGE) as an example. This coin started as a “meme” and lacks practical use cases. Just look at its performance—peaking at $0.74 in 2021, it has now fallen more than 80%. Frankly, these kinds of coins have no fundamental value besides speculative hype.

Looking at Ethereum Classic (ETC), the situation isn’t much better. As the original chain forked from Ethereum in 2016, its technology and ecosystem have long been left behind. The data is quite revealing: ETC’s market cap is only $2 billion, while Ethereum (ETH) is at a staggering $362 billion. The gap is obvious. Plus, ETC’s developer activity is severely lacking, so its prospects are predictable.

Therefore, the core idea of investing in crypto assets is: focus on projects with clear use cases, a complete ecosystem, and ongoing developer contributions. Choosing the right direction is key to balancing returns and risks.

DOGE10,16%

ETH2,31%

ETC5,57%

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BankruptWorker

· 2025-12-31 23:57

5% is really too conservative, I went all in directly haha I sold my Dogecoin long ago, that thing is just a hot potato ETC? Don't even mention it, the fate of forked coins is all the same

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DaoTherapy

· 2025-12-31 22:10

Haha, DOGE has gone from meme coin to dog coin, this wave really resulted in heavy losses. --- I'm tired of hearing about the 5% ceiling; the key is how to choose coins. --- ETC has truly become a relic of history; it was time to clear the position long ago. --- Still playing high-risk coins in a retirement portfolio? Are you trying to experience the joy of retirement early? --- I also got cut during the DOGE surge; this time I’ve learned my lesson and won’t touch coins without fundamentals. --- We can still talk about Bitcoin and Ethereum, but with DOGE, ETC, it’s really best not to wade into muddy waters. --- The problem is, who among retail investors can really hold onto 5%? Being told to only allocate 5%, ending up with 2% left is already good. --- It was confirmed back in 2017 that ETC would be left behind; bringing it up now is a bit late. --- It’s the same old story; next bull market, someone will go all-in on trash coins again. --- That small amount of ETC in the wallet should have been cleared long ago, it’s dragging down the returns.

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ChainMaskedRider

· 2025-12-31 22:08

It's the same old story again... DOGE dropped from meme coin to 0.74 and then fell another 80%. Frankly, it's a gambler's game. Do you still dare to gamble your retirement funds on this? Wake up, everyone. ETC is even more outrageous. Being so far behind ETH and still trying to make a comeback—dream on. Its market cap is 18 times smaller, and the technology is already outdated. I think 5% of the allocation is already too much. If you're serious, BTC + ETH are enough; don't get involved with the others.

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LiquidatorFlash

· 2025-12-31 22:02

0.74 to now... How much liquidation threshold needs to be triggered for this decline? DOGE has no risk control mechanism whatsoever. I agree with the 5% cap on retirement allocation, but the problem is that most people can't control it at all; an 80% drop is enough to wipe out the borrowed position. ETC, compared directly to ETH, is crushed, with a market cap difference of 18 times. This is no longer just a technical difference; it's purely market verdict. No matter how much meme coin hype there is, it shouldn't be included in retirement portfolios. This is digging a hole for the future.

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ProxyCollector

· 2025-12-31 21:54

Damn, DOGE is really a joke. Those who followed the trend and bought it back then are all wiped out. ETC is even more ridiculous. After the fork, it never recovered. The technical stack is way too different. A 5% allocation is already very aggressive. I think even 3% is too much for a retirement portfolio. In the crypto world, these meme coins, besides BTC and ETH, there's really nothing worth holding long-term. The fact that meme coins can rise to 0.74 is a testament to human greed... Are people still chasing it now?

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DegenRecoveryGroup

· 2025-12-31 21:53

Haha, DOGE has dropped from 0.74 to now, and my friend is still holding on for dear life. It's hilarious. Bro, putting this kind of meme coin in your retirement portfolio is really gambling with your fate. ETC? No one has been playing with it for a long time, it feels like trading antiques. Playing around with within 5% is okay, but exceeding that ratio is just throwing a tantrum. Meme coins are ultimately meme coins; the fundamentals are what they are. Wake up, everyone. Coins without practical applications are long-term self-harm. What this article says isn't wrong, I just don't know who is still chasing those shitcoins. ETH and ETC are so different in multiples, it's obvious which one is better. Retirement money needs to be more stable; HODL the reliable ones, don't mess around. I think the key is choosing the right coins; DOGE, let's forget about it.

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