#美联储降息 Seeing the discussions about the Federal Reserve cutting interest rates and the US dollar depreciating, I recall many friends asking: Does this mean it's time to increase our allocation to crypto assets?

Honestly, I understand this logic, but I want to remind everyone of a commonly overlooked issue. Loose monetary policy can indeed boost certain assets, but predictability and certainty are two different things. The US dollar fell nearly 10% last year, which seems obvious, but if we could see it so clearly, the market would have already priced it in.

My advice is actually very simple: don't change your overall asset allocation strategy just because of a policy expectation. If you originally planned to allocate 10% to crypto assets, an interest rate cut expectation shouldn't turn that into 30%. Conversely, don't completely avoid assets out of risk concerns.

The key is to ask yourself a few questions: Can I withstand the volatility of these assets? What is my investment horizon? Is this allocation reasonable within my overall assets? In the long-term mindset, can I still hold steadily without panic?

Policy changes are like seasonal transitions—they will come and go. What truly enables assets to grow steadily is never chasing the trend, but maintaining your own rhythm.