2026-01-02 15:24:34

Remember when you first entered this space, putting in 5000 yuan felt like nothing. After years of trial and error, I finally realized one thing: this money is not for gambling, but for paying tuition. Losing it all won't affect your daily life, and if you manage to make a profit, it's the real money turned from knowledge. Without further ado, let me straightforwardly explain how to use this 5000 yuan.

**First: Adjust Your Mindset — Learning to Be the "Grandson" to Become the "Master"**

I've seen too many beginners start out overly confident, overestimating their abilities and severely underestimating the complexity of the market. Putting all 5000 yuan into a small altcoin in a single shot, only to wake up the next day to find the account wiped out. I've seen this happen more than once.

To make this money truly work for you, strategy is essential.

**Level One: Dollar-Cost Averaging Mainstream Coins Is the Lifeline**

BTC and ETH are the true "hard currencies" in the crypto world. Compared to those new coins that suddenly pop up out of nowhere, these two are relatively stable and highly liquid. Allocate 4000 yuan, and invest gradually over several months—say, buy on fixed days each month. If the market drops sharply, add more. It sounds slow, but data doesn't lie: someone who坚持每周定投10块美元的BTC，五年下来总收益翻了200%还多。很多人觉得这个速度不够快，但当你真正踩过几次坑，就会明白：慢，才是最快的路。

**Level Two: Test the Waters with Altcoins, Keep Budget Strictly Under 1000 Yuan**

If you really want to experience the gains from small coins, go ahead. But don’t just do whatever. Clear criteria: top 50 by market cap, backed by real technology. Projects in AI, DeFi, and other fields with genuine strength are worth paying attention to. Allocate 200-300 yuan per project; if it doubles, cash out immediately. If it loses more than 10%, cut losses right away. Understand one thing: altcoins are a probability game—making money depends on luck, losing money is normal. Don’t hold on to losing positions; take profits and exit.

**Level Three: Contract Leverage — Absolute No-Go for Beginners**

I’ve seen too many bloody liquidation stories. Some open 20x leverage, dreaming of turning ten or twenty times overnight, only to end up with nothing. According to 2025 data, the liquidation rate for users with over 10x leverage is as high as 92%. Using 5000 yuan to trade contracts is essentially giving transaction fees to the exchange. You can try, but only if you invest no more than 500 yuan of idle funds, and stick to within 3x leverage. Most of the time, it’s better not to touch it.

The logic behind this allocation plan is simple: use most of the capital to build a stable base, and a small part to experience the market, completely avoiding the risk of liquidation. 5000 yuan is enough for you to spend two or three years refining your trading system and accumulating enough market knowledge. By then, your returns could be far beyond this number.

BTC1,44%

ETH4,05%

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FlashLoanLord

· 9h ago

This is the truth, unlike those scammers who shout about getting rich overnight every day. --- Dollar-cost averaging is really boring to death, but it's precisely this boredom that keeps you alive. --- I just want to ask, how many people can really withstand the psychological torment of having nothing in the first three months? --- Trying with 5000 yuan, the tuition fee is quite cheap, isn't it? --- As for contracts, I think beginners should forget about it. Poor psychological resilience means permanent exit. --- The key is execution. Most people forget after reading it. --- I don't quite agree with altcoins. It's 2025, are there still reliable projects? --- Only by being a grandson can you become a grandfather. This phrase must be engraved in your mind. --- Invest 4000 in BTC regularly, and gamble the remaining 1000 out of frustration. I can accept this allocation. --- The liquidation rate is 92%, this data is a bit shocking. --- The most feared thing is to persist well for a month, and then want to go all-in in the second month.

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GasWaster69

· 9h ago

Damn, this paragraph really hits home. The words "tuition fee" are too relatable. --- Dollar-cost averaging for BTC is definitely the way out, but it really tests human nature, haha. --- The part about altcoins is well said. I'm just worried that most people can't cut losses at 10%. --- I believe the 92% liquidation rate data. I've seen many people die on leverage around me. --- "Being slow is the fastest way," this should be inscribed on a monument, but unfortunately, few people listen. --- The contract trading taboo is hardcore, but honestly, some people still want to try. It’s probably a necessary tuition fee. --- Grinding a system for 5000 yuan over two or three years? Dream on. If you don’t get wiped out completely, that’s considered good. --- The problem with dollar-cost averaging is that you really can't endure it; you always want to try something刺激的. --- This allocation plan boils down to one sentence: Don’t be greedy, just stay alive and you’ve won. --- The most heartbreaking example I’ve seen is someone going all-in and clearing their position the next day. The buddy I know played like that and lost everything.

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MetaNeighbor

· 9h ago

It's just paying tuition fees anyway, sooner or later. That's right, going all-in is really a death sentence. Investing 5000 yuan for two years, I’ve made some profit now, but it’s too slow and I’m a bit frustrated. I really support leverage; I’ve seen too many friends get liquidated. This plan is actually about playing it safe, but most people still can’t resist. But on the other hand, is it still possible to get in now? The most painful part is the contract zone; I’ve stepped on that pit before. Wait, is choosing the top 50 altcoins also risky?

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LiquidationAlert

· 9h ago

That's so true. I only understood after stepping on those pits. There are no quick ways to make money; leverage is really a scythe of the Grim Reaper. I've been consistently investing in BTC for two years now. Although slow, it keeps my mindset healthy. Stop trading contracts; you're just giving money to the exchange. Newbies should just stick to regular investing and not think about getting rich overnight. Learning costs money, but don't lose it all in a margin call. I remember the 92% liquidation rate—it's terrifying. Diversifying with 5000 yuan is the real way to survive.

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GateUser-1a2ed0b9

· 9h ago

Well said, dollar-cost averaging into BTC has really saved me several times. After reading this article, I was a bit triggered. I still vividly remember the scene of going all-in with 5000 on a certain air coin that year. I should have understood earlier that making money is about learning. Now I'm just worried that beginners will repeat the same mistakes. Definitely avoid trading contracts, one explosion is enough. Dollar-cost averaging is my current life-saving strategy. Although slow, it’s truly reliable. Right now, I only invest 200 yuan in altcoins for fun. If it doubles, I’ll walk away without regrets. It would have been great if I had heard this approach a few years ago, so I wouldn’t have paid so much in IQ taxes.

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ContractTearjerker

· 9h ago

Exactly right, the most important thing is the mindset of paying tuition fees. Going all-in on small coins really is just giving money to the exchange; everyone around me has blown up doing this. The dollar-cost averaging approach for BTC is the most stable. If it’s slow, so be it—it's all idle money anyway. Those guys using 20x leverage are really outrageous. Are they trying to get rich overnight? Five thousand yuan for two or three years of tuition fees—it's still worth it to think about.

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