Everyone knows that choosing the right coins is important, but even more crucial is how to allocate the money in your hands. My suggestion is as follows: allocate 70% of your position to mainstream coins, using top projects like BTC, ETH, and BNB as ballast to ensure maximum stability. Then, allocate 20% to some promising new coins to explore growth potential. The remaining 10% can be played like a lottery, trying out opportunities in smaller coins.

The benefits of this allocation are clear—never put all your assets into a single coin, as even the best projects carry risks. BTC is the cornerstone of digital assets, ETH supports ecosystem development, and BNB, as the exchange token, has practical use cases. These three make up the bulk of your holdings, giving you peace of mind. The 20% in the middle layer allows you to keep up with market trends, while the 10% at the bottom is for catching black swan opportunities. Layering risk and reward—this is the secret to longevity.