Bitcoin Forum

As the topic suggest, I'm currently a college student with about ~$12k net worth.
I've invested approximately 70% in diversified ETFs (Domestic Market, FTSE & Developed market),
10% In bond funds (US Treasury, TIPS, Developed & EM bonds), and I'm still having the rest of 20% in hand, some of them were bitcoins, some of them were FIAT.

I'm thinking of holding up to ~$2,000 worth of bitcoins, and just keeping them for few years, will not invest more (adjustment) even if my net worth have become larger.
But at this time point, bitcoin would be 15%~20% of my investment portfolio.

And half of my bitcoin are being invested into P2P Landing platform such as loanbase, bitbond, etc.'s also having so that it'll accrue some interest as well.

My philosophy of investment is I wanted a well-diversified portfolio that generates reasonable ROI but at the also has lower risk.


So what's the percentage of your portfolio is bitcoin, and what's your philosophy of investment ?

Buy a used car, get a part time job, save some money for Summer break.

Here, I saved you a ton of time and effort.

Sorry I don't get it

Around 10%.

40% RRSP's in the market long term.

5-10% gold/silver

Rest cash/stock market.

Fuck housing it's WAY to expensive. (I am in Canada, it's stupid expensive).


Plan is to retire on dividens in 30 ish years.

I am putting a 10% flyer on BTC becomes the new store of value, I am prepared to watch it crash to zero as IMO everyone should be.


IMO if you are under 40 you should be seriously consider higher risk investments.  20% BTC.. that isn't a very safe portfolio lol.

currently i am only invested in bitcoin. i used to hold some stocks as well some years ago but i cashed them out and invested all in bitcoin.

80% ETFS. 10% BTC. 10% Others

For me, it's about 2%. It was about 4-5% when I bought some coins in late 2013... So far I haven't break even but I have no worry about it.

Well my porfolio at bitcoin is all froms signature campaign soo im not risking nothing besides my time.I cant invest huge ammount into bitcoin as i get a debit to pay otherwise i would be buying some bitcoins all months as possible .

Your education is your diversification.  Put it in savings until you are finished to defend against having to drop out (parents money dry up, loans dry out, you lose GPA and miss scholarship goals, etc).  Education in a solid degree / industry is probably the best possible investment payout.  Re-think what you are majoring in, defend your education.  Sell all that other shit until you're finished ... you may need it in reserve until you find a job.

100%, other altcoin exist purely to increase the amount of bitcoin for me, i see it as a bitcoin mining, for those that can not do it with asic

I'm joking of course. But as a college student, I don't think you should be investing into anything, let alone bitcoin. Expenses are just going to start piling up after you graduate, if you have $12k sitting on the side that's great, but risking it at this point of your life is a bad idea. I know this sounds more like general life advice, but think about it this way; Right now, life is giving you two options, being conservative money you've got now until you can have a more stable source of income OR, risk all you have so far, with great potential of becoming a degenerate gambler and remaining that for the rest of your life.

Uh.. well I got a different perspective on this, I'm not risking my money in the stupid way as from my investment style you can tell that I'm quite conservative on securities investment.
Second, I think it's better to start investing at this point, even it turns out to be a loss, the real payoff is the experience, so when you're graduated, you won't do much mistake and risk your future savings.
Well most people agree that we shouldn't bother about investment at this point, but it turns out to be a big mistake in finance according to many reputable sites report.

I believe I have about 5% in BTC and 0.5% in altcoins. Actually, I'd be happy to invest more in BTC but I'm waiting for the scalability issue to be solved.

Mine is about 5% .... I value fixed assets more... In a depression these other commodities are of little value, and most of them are being manipulated in any way.  You are better off, when you have

a roof over your head, and it's fully paid for. { No bond or loans } You are even in a better position, if someone else is paying you, to put a roof over their head. Physical entities have trade value and

this offer your bargaining power, in a situation where there are a total global economic collapse. Fiat is your worst investment and Bitcoin is a high risk investment. ::)  

Lower investment risk is not appropriate for a college student. The idea is that your work will generate far more wealth than the value of your current investments, so it is no big deal if they go to 0. At some point, it will become more difficult to replace your investments by working (if necessary), so then you would begin to invest more conservatively.

I have 30% of my portfolio in Bitcoin, 40% in stocks, the rest in other things like gold and cash. 0% in bonds.

Yeah that's the exact issue that holds me back for invest more too, after all, bitcoin is still a risky bet to me  :P

Yep exactly, I got what you mean, I always thinking about going more aggressive, and doing risk-return adjustment over time based on my capital and age.
But at this point I tend to set my expected APR on about 10~13%, to be this is already a moderate return, and 20% is actually quite weight for a portfolio.

I am really surprised to see your maturity at this age. Congrats!

You are already investing in secure places like treasury and bonds and also holding a risky portfolio by investing in to ETFs.

However, at you age, the risk taking capability is good. So I will suggest, investing around 30% of your monthly investment to bitcoin. As you just want to hold bitcoins of $2k value, it will help you to reach your target faster while the bitcoin is cheap.

Bitcoin is certainly a wise decision and you will not regret.

Right now Bitcoin is my main type of investment tool as I put a lot trust in the long term price.

Every bit of free to use money that I have goes straight into Bitcoin.

Interesting question.I am thinking that i am having about 700$ max and 40% of my money is in bitcoin.

That's way too much in bitcoin in my opinion,  but it's very good that you're saving money.  Keep saving.  And I could be wrong and you can also afford to take risks at your age.

I don't have much bitcoin but when I calculate the percentage of the total amount of bitcoin then it is around 30% of my portfolio.

I don't have my money in bitcoins, I started with zero and now I have some nice amount. My coins are invested in several casinos and alt coins in this moment. I make decent amount every month so all money I earn circle around. When I need cash I cash out and make coins again.

Well lets be clear, now I make more  money on bitcoins then I earn on my work for a month. I don't have my money to invest but in different situation I would put my money.

I am not sure that keeping bitcoin for a long term is saving or investing but I think it is investing.

If lower risk is your philosophy, you should stay away from lending platforms and lending in Bitcoin altogether. The risk is simply too high. Also if Bitcoin succeeds, its purchasing power will rise so significantly, that it will return more than enough real interest by simply holding it.


I don't own much. But I'm happy to be free of debt! I keep my Bitcoin separate from any other "investment", because to me it's something special. I have no intention to ever liquidate Bitcoin for fiat. I'm willing to wait for the time when I can buy all the goods and services fiat buys today with Bitcoin.

So my philosophy in regard to Bitcoin is plain and simple: HODL! :D

ya.ya.yo!

I think I only have less than 9% portfolio on bitcoin. when I earn bitcoin, I just sell it and don't hold half of them or do any investment.

my percentage changes a lot but recently i have added more and more to the amount of bitcoin (percentage wise) instead of other things mostly because of the low price and the upcoming rise which i believe it can be a good chance to make a big profit.

other than that i invest mostly in gold, and keep the rest as cash in bank.

Actually i found bitcoin has a bright future that makes bitcoin into a good investment, currently i invest 20-30% as long as  bitcoin still accepted and valuable i will keep on investing on bitcoin

I think less that 1%, I really don't have that much as I only use bitcoin for gambling and not really save it. Although today I am already putting a certain amount of my money in investing bitcoins but that is just immaterial amount with the total bitcoins in circulation.

Currently it's 90% Bitcoin and 10% stocks as I bought a cheap stock which I expect to give me a more than decent return in a year time. I might even consider buying some Gold, but it's quite expensive if you buy Gold here. The commision is at least 5%-10% over the amount of Gold you want to buy, which is why I am still holding back.

I dont really have much, but its about like 20-30% in bitcoin.

The rest is in cash and been trying to pile for higher notes to buy from the treasury until I get some and relay that back to bitcoin.

As for stocks I have none, cause I have little knowledge or the learning capacity to dabble with.

Can't measure the exact % but it should be in 5%-10% as BTCitcoin. Since your after a low risk, then you've got your philosophy for investment in a opposite way, mainly due to the high risk road (giving out laons) you've chosen. If I were you, assuming the halving is done and more stability in the market, I'll go ahead and invest in most efficient mining rigs possible (I have a very cheap electricity rate) and look forward in the long term profit (at least this way, I sort of have better control over my own investment).

10 to 15% of my total net worth is in BTC.
Medium to long term, I want to manage that % to around 25%.

almost all of it.

A small portion is in silver (5% or so), most of it is in bitcoin.

I have a little bit of fiat reserves at the bank, but that's just to pay the bills and i don't consider it a saving.        

I don't trust fiat currency and i trust banks even less, and i don't have the amount of money to invest in traditional markets. I also don't really trust traditional markets that much.

i have arround $1000 in fiat and arround 4btc, bitcoin is my priority . but if i need money i will sell some of bitcoin to pay it. for me we must have bitcoin and fiat for saving or just for payment processor.

I'm just a few years behind you, OP- heading into college this fall.

Looking at solely currency, I've got about $1,300 give or take in fiat, .3 BTC in my wallet, another .2~ tied up in ICOs, and around .1-.2 in miscellaneous altcoins. Would love to have more of my (small) networth in crypto, but my general guidelines are to keep real world and virtual separated. When I work online I get paid in cryptos, and any money irl comes in fiat.

yeah I agree with you to get in bitcoin trading and profiting in it. you must have a balance that is ready for fiat and bitcoin. so that when something happens to a particular occasion you could use one of them

I have a fairly large portion of my portfolio in Bitcoin, a bit more than I would like but it's a fairly good amount regardless.

I won't say what number because chances are I'd end up giving out too much information, and I don't want to do something like that.

i have always been very interested in bitcoin more than anything else but from the start of this year mostly because of the halving i have focused almost all of my attention to bitcoin and i think i have more than 80% invested in bitcoin already.

In crypto-currencies around 50%, in bitcoin less than 10%.

My portfolio is maybe around less than 1% of the total circulation in the market. I don't have that much because I not kept them I bet them in gambling.

Probably not as big as I want to be. I only started buying a couple of months ago, and I can only afford small fractions from time to time. As it is now, I think my bitcoin makes up for about 2% of my total portfolio. Much of my assets are still in banks, mutual funds, stocks. Diversification is still my main priority but I would consider upping my bitcoins to about 5 or 10% if I see it as a nice and stable investment.

It is a bit complex. When talking about assets, we are combining liquid assets and non-liquid assets. BTC accounts for almost 40% of my liquid assets. The remaining is in the form of equities, bank deposits, mutual funds and bullion coins. That said, BTC form only a small part of my overall net worth. Most of it is composed of immovable properties such as house, land plots.etc.

Referring to my portfolio, I think bitcoins is in 50% on if, I don't really earn a lot on my full time job and I have no investment aside from bitcoins, so I would estimate that percentage, but with the total market distribution of bitcoins I am at less than 1%.

my percentage for investing bitcoin is approximately 10% because bitcoin can't use for my daily need so 10% will enough for me and i can spend 90% of my money for my daily life and currently i do considers that investment have very high risk because there is no guarantee i would earn profit from my investment and that's why i had only use my free money for my investment

Well I have 0% of my porfolio in bitcoin because I don't spend a thing in obtaining all my bitcoins and I started from 0 without investing anything. The thing I only invested in it is time and effort  ;D

I had a negligible portion of my net worth in bitcoins.
But it has slowly grown and with this rally, it accounts for almost 5% of my portfolio.  :)

I have about 80% of my holdings in Bitcoin/altcoins. The rest is in fiat in case of an urgent need.

I hold most of my online money in the form of bitcoin and some other alts as i am day trader and keeping balance in bitcoin is always good to do day to day trading.

It's not much really. I never really invested anything with bitcoins because I had no ways to buy bitcoins back then, but on all my holdings, about 20% of them is bitcoin all earned from doing simple work.

Less than 1%, basically I just make some extra earnings here and there in Bitcoin and I am just holding it.

I tried day trading around the doge times but that was WAAAAAY too stressful lol.

Pure BTC? Probably about 1% but investments in physical bitcoins (casascius, lealana, microsoul, etc) brings it up to 10%. They have a premium over bitcoin, plus an extra uniqueness and rarity which is independent of the BTC value.

About 70%.