Bitcoin Forum

hi
I was introduced recently by a friend to the crypto world. I've been doing some reading about the reality of this ecosystem, creation of bitcoin and then alt coins, market experiences, the different projects objectives, a bit about the theory behind them incl pros and cons, and so on (I am a .net programmer and would like to think tech savvy, but had always ignored this field) and well ... I decided to invest 2K right away

I made some investment choices but then read a bit more and decided to re-balance it in the following manner:

BTC 36%
ADA 23%
XRP 21%
EOS 8%
QTUM 7%
XML 3%
ATOM 2%

On top of this, I am considering investing $250 every month (of course I will be flexible depending on markets prices but take this as an estimate) in the following proportion

BTC 50%
ADA 25%
either EOS, XRP or BCT the rest 25%
note: for some reason I am not a fan of ETH and trust in the potential of ADA much more


I am far from rich, especially because I live in a very expensive city, but I have a decent paying job and I try not to overspend; so as part of my savings strategy [for early retirement] I am saving 2-2.5K every month and transferring it to a money market account (and then CDs) so at least it can grow a bit in time (not counting growing inflation)

This good friend mentioned to me the so-called 1 BTC rule and I have been giving some thought to this idea. Purchasing 1 BTC would not be a problem [in the affordability sense] but then I think about the other tenet which talks about only investing in crypto what you can afford to lose. If I lost the invested 2K I would be really pissed off but I would get over that. Now shelling 8K for 1 BTC would not kill me either but It would certainly impact my plans for an early retirement

What is your perspective on this situation?

There are coins that should be in your list but are not. There are also coins that are in your list but should not. Why are Ethereum, Litecoin, Monero, etc not included in the list? I have not heard of XML also. What coin is that? Another thing, what ATOM are you referring to? I suppose that is referring to Cosmos? There is also Atomic Coin and its ticker is also ATOM.

My plan is to only purchase BTC as store of value and then try and hodl (using crypto lingo) these alt that I referenced above
I am not planning to trade actively, unless there is a [considerable] big pump, in which I might consider to dump the assets, with the aim of wait and buying cheap

You have to buy BTC because right now the price is down and it's good for the long term.
Why don't you choose BNB and ETH I think it is a coin that has the potential to have a good value for the future, I think in crypto there are no fans there is only profit, but it's a pity you don't choose ETH as your investment list.

If you are saving 2-2.5k each month and investing only $250 to crypto assets, then you are in good shape! Cryptos are not really an investment. Even though a lot of people considers cryptos as an investment, it is a  currency system in reality! So it is a very risky venture!

However, since you are investing a good amount of money every month, and investing only 10% of your total investment into cryptos, you should face much issues! Just add ETH in your list even if you don't trust it much! That would make your list complete.

Nice investment strategy where you spent your money with several altcoin kinds without except bitcoin as your destination investment, you can invest with your strategy but you have ready much money and you faced less percentage risk if you invest with many altcoin kinds, you can invets with how strategy you describe for us and I think is have big chance to get profit.

Just my guess I see from the OP, that you invest for long term between 6 months - 1 years or  more.

From the list that you mentioned some good  especially BTC.

With your current job I think you understand to also store your crypto saving in safely.

By looking at your portfolio, I'm having this impression that you are hoping to get some serious profits from those altcoins.
Diversification seems like a good idea, however we already know how alts are intertwined with the price of bitcoin.
BTC goes up and so the others, in my opinion such spread across the platforms, may be without significant meaning.
If you are going to note some income, you will, regardless of what coins you are holding and it's still going to be fiats-only profit.
I would suggest you to stick with the king. By doing just that, you are helping yourself in a way, because thanks to your regular purchases, price have the chance to move up much quicker. Maybe think about more popular, older alts, if at all.
Anyway good luck and keep yourself secured.
  

I do not know why you are going to invest into such many altcoins. Professional investors are saying that diversification is for people that do not know what they are exactly doing :D .

Buying Bitcoins at this time is very risky if for the long term because the market is very bad. If you buy 1 BTC in 8k and go down to 7k not have you lost 1k of your money.
If I were you I would be annoyed. But if using very good predictions probably will get a fair profit for short-term.
Do day trading for bitcoins and altcoins to get a good profit and is not at risk.

You have a good plan or strategy to invest in monthly with your money. You have a good coin which can provide the potential to increase in the future. That will be good if you can invest $250 every month because, with that money, you can buy the coin from your list.

Now, the biggest problem you would face is how good you are controlling your emotions when the market is down. Many traders fail to control their emotions, and they are selling their coins too fast. Maybe you will see a loss in value because of market fluctuation, but if you can hold your emotion, you will see that the losses will change into profit.

You should add ethereum in your list, but don't use big portion if you don't trust that coin. But if you still don't want to invest in ethereum and stick with your coin list, then that is okay for you.

In my opinion,

You can reduce your investment to bitcoin and add some for Ethereum, even if you're not a fan of ethereum maybe you may consider.
Though the performance of ethereum is quite disappointing, you can use this opportunity to buy at a lower price.
If you focus mostly on bitcoin, disappointment will come to you and that might be the reason for you to lose control.

The holding ratio is quite good but you forgot ETH, ETH is good as an investment considering its future upgrade there will be some hype happening.
and I do not think it is necessary to add your portfolio on ADA, why do not you make it this way
BTC 50%
ETH 25%
EOS, XRP, QTUM 25%
adding your position on EOS is more beneficial compared to ADA.

For me, I'll not try to rush to invest in the market right now. You should analyze the potential of the market. Bitcoin is very stable right now, but to invest in bitcoin will always become the preferred choice. What should you do to analyze which is the best altcoin to invest. You don't need to start with a thousand dollars of money.


To put bitcoin as your principal investment will always become the best choice. You should remember the major coin doesn't guarantee that still give you a good return. I remember when I have decided to sell all of my ethereum and XRP. That because these major coins are not so impressive in the volatility consider both are following bitcoin these days.

I have decided to put out all of the money from ethereum a few months ago. I have bought top100 altcoin, which was having the right product and my choice is not based on how big the coin is. I just take how good the development progress and the team is responsible for bringing better and better development progress has become my point.
As a return and I'm getting 5x return.

FYI i have bought CRPT when the price around $0.1. Honestly, i don't like ATOM to be your in portfolios consider about the significant volumes of ATOM comes from the manipulated exchange site like bitforex. For me, this is unacceptable. That's why it's better to slowly analyze the market and search which is market having a lot of potentials to grow a lot.

You say that you are not a fan of ETH, and from what I read from your post. You are the type of investor who chooses long-term investment. Too bad if you miss ETH, this coin also has a high enough potential for long-term investment.
I still recommend that you should at least choose ETH as your investment choice and give 30% to ETH. Apart from that I also recommend that you try to choose one of these altcoin BNB, XLM, or XRP.

I don't think that OP will consider an investment with ethereum, as his statement above, he is not a fan of ethereum, even if we all know that ethereum is a good investment, he should have considered buying ethereum even a small percentage from his investment to have an opportunity.

Wow that was a good line up there. But can't argue with some of the people commented that, aside from investing on those alt, clearly you should include eth in the list. I think it is way more good than rubble xrp project. Eth is top 2 in thr market and considered to be the one of the best altcoin with lots of dapps and users. I dont think you see the advantage of it but later on, you will see why eth is the king of smart contract. I still prefer eth over this binance chain that has been swaying the market. But all in all, if you will invest on these coins on the list you should be cautious, why not buy now while its still cheap? Dont wait for it to gone up.

My opinion about your strategy is very good. But I didn't know it was XML, maybe because I never saw it in CMC.
I think the best and very best strategy is to believe in your choices. Yes, of course, the choice has been through a series of studies. Sometimes listening to other people's opinions only makes us doubt our own choices.

From the looks of it you are good in making financial and investment decisions. You're investing kind of money that you can afford to lose, you are properly diversifying, and your choice of coins are relatively good and wise.

About the 1 BTC thingy, I don't think anybody will need to hodl exactly 1 bitcoin! What difference would that make, except easier calculations? Just get the amount that doesn't put you under pressure.

As I said your choice of cryptocurrencies are good. I personally like BAT, ENJ, ONT and RVN too. I also like ADA and Cosmos ATOM a lot (much more than ripple or stellar).

I personally think this is a good time to invest in crypto. The bear may continue a bit longer, but I don't think the prices would get a lot lower than this.

Its a nice investment strategy, in crypto you don’t have to go all in at least allocating 10% of your total wealth is already a good move. Yet investing in crypto is another way of escaping the inflations although it is not safe heaven but chances are extremely good.

I see that you have invested on shill coins like xrp and ada so I want to ask you : Did you made your investments after your own research or you simply browsed youtube and saw a bunch of videos promoting xrp and ada ? My advice would be to make your own research and always have some Bitcoin in order to be ready for the next run...also start searching for dex coins.

Those coins are good selection. They are top in the coinmarketcap and already trading on top exchanges with decent volume. My personal opinion is you can learn more about technical analysis to find correct points to buy the and you can add more top coins from coinmarketcap to the list.

I myself am allocating investment is still divided into several sectors ranging from stocks and also for savings to buy property assets. not all of them I invested in one field like cryptocurrency. this is clearly quite risky if we invest in just one field. because the risk is quite large

You are introduced by your friend and you just invest because you follow what you said, it is bad investment because you do not have enough knowledge about the coins that you bought.

I like the way you manage your finances, very detailed and organized. For coin selection I agree, the coins you have chosen
most of it does have good future potential. Just a little confused with the XML coins I don't know about those coins. By the way
I am very glad that someone seriously thought about his retirement, you're awesome. I'm sure your planning is mature related
to investment plans. I support with all the choices you have made, and hopefully all your plans run smoothly. Good luck.

Well I guess you don't want to keep some shitty coins on your wallet. If I were you, I won't bother to buy shitcoins instead of buying top 10 coins or else you are missing part of your life.

Though bitcoin is definitely a good catch but diversifying into good coins is essential towards trading.

Yep, he is using his emotion deciding the portfolio. letting emotion taking control of your investment is a bad idea. What is the point of investing our money if we are not looking for profit?
it is fine, he is not a fan of Ethereum(not all of us invest in Ethereum is Ethereum fan), but excluding it from his portfolio because he is not a fan of it is wrong.
that is why I am telling him that.

a very good opinion crypto currency or crypto coins can be developed and thrive depending on the investor itself the greater the investor's interest in investing the higher the price of the coin and in my opinion bitcoin remains the best in the crypto market at this time for future development nothing can predict with certainty

you are just increasing your risks and minimizing your profitability by including altcoins in your investment. you can take a look at the market right now as bitcoin price had a small drop, all of these alt coins in your list had a massive dump and have lost at least 5% more than bitcoin price drop. and the problem is that when bitcoin recovers from this drop these coins are going lower with another dump.

If i were you i will make bitcoin 50% of my investment plan and the remaining 50% on altcoins that are so responsible to the movement of bitcoin, i am talking about altcoins like bitcoincash, ethereum and litecoin and other few altcoins with good use cases

Things like that will be very fatal as a result, because to invest in some altcoin, of course you have to have a lot of knowledge, because not all of your friends' suggestions can be taken for granted, because we ourselves also have to find out about altcoin which we will make as a good investment in long term, or short term.

Great and well thought portfolio. BTC has a solid part and you have spread your money among different altcoins. The only thing that bothers me is Ripple investing, I do not see a point in investing in a centralised and regulated currency.

Stick to your guns there and never ever invest more than you would be comfortable losing (not that it's ever really comfortable). 

Some coins on your list like QTUM are pure crap and you should get rid of them.  Honestly if I were you I would put all of what you're willing to invest into bitcoin, and you don't need to own one whole BTC.  I don't know why you consider that a rule.

If not, stick with the big name coins like Eth, dash, neo, ltc, monero, and most of the top 50 coins on coinmarketcap.com.  Stay away from garbage like QTUM and ATOM, and I'm also not sure what the latter even is.  That should tell you something.  There won't be a market for those coins in about 5 years.

he entrusted ADA which i really think is also one of the best project in crypto. if there is one project that could outrank the ones on top like ETH and EOS, it must be ADA but then of course its not happening yet because the project hasn't completed it development yet. the CEO of this project is is by the way the co-founder of ETH and has the intention to make this project to solve the scalability.

I think if you are investing long term for a few years then this list should not matter but if you only invest a few months then I think you should not invest too much in altcoin. BTC is a safer option in the medium term.

It seems like OP is here for a long term goal because he/she is planning to add more investment every month depends on the market condition which I think a very good strategy to maximize the profit in the long run. The listed altcoins are all good because these coins have a big potential to grow its price over time.

Although based on OP, whether the selected coins have been analyzed beforehand even though the choice of listed coins tends to have a favorable potential for the future.
and besides bitcoin, Ethereum and Altcoin are very good and promising coins that you must have among other coins, but you don't list Ethereum and Litecoin.

I think your strategy is very good for thinking about the future by investing in the cryptocurrency. if I only invest 3-5 coins, but it depends on how much your investment capital. If I choose:
BTC 50%
ETH 25%
XRP, EOS, USDT 25%

but also must consider the market situation first, whether there is potential or not

You did a good job by spreading out your $2,000 investment on different coins. Not sure about all the coins, but you did invest on some coins that have potential and isn't going to end up being a shit coin.
Adding $250 every month to your investment is actually another wise choice taken by you. What ever you do, make sure you invest most of your coins on BTC and then spread out the rest on other well known coins.

There's no point investing now, wait for market reversal. Your strategy of investment spread is good same with your choice of investment coins those are projects for long term.

Bitcoin just dipped to $7500 I think that's something that you can't ignore. About your total holdings, I think you should really add more about bitcoin on that stash and increase it to maybe half of your total percentage. And with your monthly allowance and plan of buying with $250, that's a good idea and you should continue that as long as you can. Many are actually doing this and they've understood the risk and the possible swings at random days just like that what happened today.

Pretty good plan :) Just remember that some day the time will come to quit the market, and this decision is quite hard, lol. Look at all of us who didn't do this move at the early 2018, don't repeat this mistake  ;D

you are great, reading before do something

i think re-balance your investment isnt good idea. your investment may increase because of your re-balance, but you miss the important thing "how to multiple your money"
so it is wise if you just focus in that for your first crypto investment. after you understand enough and get many profits, then re-balance for 'boost' your profit

why do you choose them? what is your reason? based on technical analysis on fundamental anaylisis?
if technical, what is your entry, exit, stoploss, and money management?
if fundamental, what is core value which those coins have?
you must answer that before you do this investment

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my analysis based on what you told us, you use fundamental and will do long term investing (maybe 1-2 years), that's great. but you look missed something that is market sentiment, you can see many coins are falling down now. so the sentiment is so bad. so if you wanna do long term, you are better to wait until the market goes good again to get confirmation.

Firstly I want to ask. Do you want to take profit for long or short? And If you can Invest $250 in every month, the big chance for me it's buying BTC and TRX. Just both of them with ratio 50:50. TRX still have a better future. And fill your bag full of them it's very recommended.

You have afford to lose money, my advice is take some risk in new coin. You can invest in top exchange IEO especially Binance IEO. For new coin you should invest Binance IEO. You can take benefits of bear crypto market. One month investment add to new altcoins.

i don't see ethereum and Binance coin in your TOP list my friend
i think both altcoins deserve to be in your list because both are the best altcoin with huge potential to grow when the bull come back
but, the choice is yours!!

Since it's your own beliefs and I respect your opinion. However if you will gonna ask our real experience, ethereum gives more profits than ADA, well as for me, huh. Also, since you are new in crypto investing. It is good you seek advice in your portfolio. Quite disappointment that you choose some unpotential crypto coins. Xrp for example.

Actually investing in altcoin itself is not a problem, but indeed we must be able to understand very well about the growth and also the risk of altcoin. which every year creates new trends. so it must be right we determine the target. investment dominance is indeed a good bitcoin.because the growth of altcoin is largely determined by bitcoin

Why you want atom low %? I recommend that you can invest btc & atom &eth and new coin harmony (one) i hope your Investment will enjoy there. Actually crypto market totally risky with new coin are too more risky so you can choice old coins for your invest then it will be better.

First of all, welcome aboard, your timing was good on coming into this space. I would change xrp to eth on that list and some of those wouldn't even be on my list, but i can see the potential in them too,
so you might as well have done well on your picks. The plan to increase them in the future is solid also.
And good job picking btc, it is not usually newcomers choice because they are seeing that others are "cheaper" so they put money on those and don't really understand why the btc is the main crypto.

May i ask what your end game and exit plan are? What is enough for retirement? How long have you planned to wait?

dont forget about  binance coin.bitcoin eth and binance will be  best compotition in our portofolio.these coins already proven as good currency although in bearish market.investing in new coins need deep analisys and obersvation.we will find best feature that could be point why we should buy it.

The only problem we have in investing in altcoin is we need to search the profitable altcoin and buy it right away while the price still at a low price. That will be difficult if we don't know how to find the right coins because there are thousands of altcoin which can have the potential to increase and without doing appropriate research, we cannot get the coin. But if you can analyze the top 100 coin list, I guess that your chance will be bigger to make a profit because, from that list, I think there will be more than 20 potential altcoins, which will increase later. But you need to have skills to analyze one by one of the altcoin so you can select with the right.

I do not understand why you are not a fan of ETH. ETH is one of the most potential altcoins on the market. ADA is also good, but it is not an ETH. Consider it in your next investment.


Do not risk more than you can afford to lose. There is nothing to guarantee that your investment here will be 100% returned. This is a risky investment, so do not try any more.

All in all, I like your approach and coin distribution. However, I don’t see much difference in the coins, that is, I don’t understand why Stellar has a much lower percentage than Ripple.
I would distribute the shares more evenly because almost each of the altcoins you have chosen will move equally with Bitcoin, and in the case of local pumps, each of them has a chance.
Maybe I would increase the share in bitcoin a bit. But in general, these are just my subjective thoughts, I like your portfolio, I just want to add that I like the bitcoin share of 60% or even 65% more.

I don't really see anything wrong with the portfolio that you have created and you have the advantage you are not only using this market to invest but you are also taking a very low risk investment so you are in a better position than the majority of the people in this market, the only doubt that I have is whether or not you would be capable of keeping your holdings if the market begins to go down even more, but if you can do that then your portfolio should perform really well during the next years.

Actually your strategy is not bad, put most of your money on BTC is a right thing to do because the BTC price could increase anytime.
It is good to have $250 in every month as savings, i think it is enough to accumulate coins in this bear market.
Later you when you see the chance to sell it higher, don't afraid and hesitate to sell it.

As an investor in the current conditions and situation of the crypto market, investors must be clever in utilizing every opportunity that we will get in investing in crypto or altcoin currencies. it is hoped that investors will develop in the future

Not only the coins in OP's list are the good or potential coins on the market. There are other coins with great capabilities of becoming massive in the near future. What matters most is the readiness and expertise to run researches on these coins to know their capabilities before investing. Coins like DIVI and Bitrue BTR are good choices.

Your strategy is quite good. Right now I also use a similar strategy but with a different number of portions. Within a month I allocate my funds as follows: 30% to buy BTC, 50% to prepare for the IEO on several well-known exchanges and 20% for staking. With the strategy that I implemented, so far I have had satisfying results for the growth of my investment in the past 3 months.

in my opinion your investment strategy is quite good. You always set aside $ 250 to buy crypto. diversifying investments is a great way to minimize the risk of loss. because when one coin goes down we still have another reliable coin. I will add two more coins, namely ethereum and litecoin. in my opinion these two coins are also very potential.

Your list of coins is not totally bad but if i were you i will concentrate more on well establish coins like BTC and ETH maybe Litecoin also instead of having some coin which may like fail you. All the best.

That's true.
From the OP's explanation, I concluded that you want to invest for the long term, to enjoy old age when you retire later, right? or raise money to be able to retire early. You apply a buy and hold strategy, by setting aside salary every month continuously. In my opinion, the most effective coin for this strategy is BTC. Strengthen mentally to hold, ignore fluctuating prices in a short time frame, then focus on long-term price increases. For other altcoins, OP choice is not bad either, my suggestion, add BNB in your investment, is quite potential. Most of the members here suggest it :)

Your strategy is very low-risk and long-term. if we are considering investments for a year or half a year, then you can choose other coins that can bring you a lot of money

Welcome to the crypto world. One to remember when entering in this crypto world is that you may be rich, but you may not be rich quickly because crypto also includes the high risks, you may get big profits, but you may also get big lost. This is the main point if you are in crypto.

Well, related to the statement, what coin is XML? Do you mean XLM (Stellar)?

Secondly, I appreciate your effort to diversify your funds into several coins, this is the great step you have chosen. Your coins are good enough, but I think that you can include ETH to be owned, whatever, this is promising enough.

Bitcoin is stable and the most widely known of all the crypto-currencies . Put your money there I think it will bring great returns on investment in the long run

If you want to invest, of course you must have a very good strategy, besides that before you enter the world of investment, you must know and understand what an investment is, and most importantly you must be mentally strong in getting losses and profits.

I agree with you, the OP's explanation makes us a race for our future, of course we start from now to invest long term, buy and hold it maybe we should do it. altcoin strategy in my opinion is not only in BTC and BNB, we can also invest in ETH, because in my opinion this is one of the altcoins that have an altcoin team with very good performance.

Thinking the same as me, the point is we have to go back to ourselves, the strategy of listening from other people is very bad, confident in ourselves and believe that the investment we choose is the best and will generate large profits.

It's always better to diversify and you are investing very wisely. You already add some good coins in your portfolio apart from this you can do some study about NEO, BNB, Tron & Quant too for further investment purpose if you wish.

They also prepare the good portfolio and your suggesting coins also good make profit. But every one have individual method and suitable portfolio so I am not suggesting and advising the any investment strategy. Nowadays many peoples are follow some tricks, telegram groups and etc so we only said crypto is a wonderful investment on long term and those are have they earn each transaction and every day.

it is not always beneficial to buy bitcoin directly. sometimes it will be better to buy bitcoin through altcoins. here it is also important to have your own buying strategy

The investment strategy is good but for now, investing in bitcoin only will give you more profit. Bitcoin pumped from 7000$ to 9000$ in just 3-4 days so I guess you should choose bitcoin this time. Stop investing in altcoins except for BCHABC. As predicted BCHABC will cross 1k$ in 3-4 months.

Your port allocation for me is not good because you have a lot of coins in your portfolio. Even professional traders are only prefer to trade cryptocurrencies with a maximum of 4 cryptocurrencies for them to easily manage it.

Holding 50% of the assets to altcoins is recommended based on crypto experts portofolio
but it's not recommended to hold altcoins for a long time, taking little profits from them is good and move to other alts, because alts have different time to rise

Every good portfolio is made in three steps. First of all, you need to find assets that you are interested in (check), secondly, you need to diversify your portfolio in equal parts (check), thirdly, rebalance your portfolio every month (check). You are good to go, but do not hold everything in one backet, spread your crypto among some wallets for more safety.

Most of the time I will agree with an opinion like this but the OP seems to be very well versed in matters of investing and when that is the case it is fine to take a larger risk, putting an even greater amount of money in established coins may not do a lot to help him achieve his goals and it will slow him down, I am sure he can deal with it and if things begin to take a turn for the worse then he will be capable of adjusting his portfolio to reduce his losses.

LOL, xrp investment  :D :D

Oh my......he can see about as much as a mole

i believe choosing a really good method to enter the market is very important to us everytime we start investing, of course investing in long term is always better than short term because profit is always far more better, so the first stage is choosing a really worthy project with a properly coin for long term, that's why background of the crypto is very important,  i will choose top cryptos like BCH or XRP because they already have enough time to show us their value to exist for a long time in this market.

The planing is pretty good as a novice investor and wants to take part in the crypto world. But there are things I must ask. Do you have capital every month and everything is used to buy some crypto with the description you explained above?

I do not see the reserve funds you have set for these investments, each investment should determine what percentage of the funds used to buy crypto and the reserve funds used to buy altcoin again when prices decline. Reserve funds are very important to keep your capital intact. Must really be able to manage capital for investment so as not to experience a lot of losses and can get the maximum profit.

Dividing our investment to route to for multiple altcoins are good but the most important point over her is the potential the altcoins carry as I have made some mistakes and profits as well in the past.  We need to decide the terms of investment and there are some coins like HOLO (HOT) which is very cheap and highly volatile which can be used for day trading as it gives us chance of better return everyday because everyday it fluctuates and there are coins like XLM,  XRP which can be preferred for investment till the bull run and then there are coins like BNB and ETH which can be considered for long term investment. We need to decide the type of investment and choose the coins based on that.

Investing in multiple coin is great idea if we have done enough research because instead of investing in 10 altcoins and gaining profit on 5 we can narrow it down to 5 altcoins and get profit from 3 out of it. This requires a lot of market research and insights.

The best investment strategy is one that you understand and that you will actually stick to. Trading or investments can tend to trigger emotional responses, and emotional trading will lose you money every time as you depart from the strategy, thereby play long-term for 1 year or more In my opinion. First of all, you must understand it is an investment in new technology and in the future. if you want to HODL, you made a big decision.

I highly recommend, always buy coins when you see a good chance or a good price. try to spend no more than 15-20% of the budget. If the price drops by 5-10%, buy again. First of all, always buy coins in high potential, and don't be prejudiced on certain coins. I don't like coins that are 90-99% copy other more big coins like ETH, and you listed some of them. In such coins, I don’t see a great future. Also, marketing is one of the important points. The company or Dev team must be aggressive in the market and promote its technologies and solutions. Keep that in mind, too.

There is no safe guarantee even if we invest in the altcoin. but it is advisable to choose altcoin which has the potential or volume of price movements to be so large. Their platform is already running. making a good indicator for investors because the progress is quite convincing. while for new altcoin it is certainly very high risk than altcoin which already has potential. if indeed we are in doubt in the altcoin election there is still a bitcoin that must be had before we have an altcoin investment. our portfolios must largely be filled with bitcoin

An entirely list cannot all bring profit, most especially the altcoins on the list. Bitcoin in long term is more viable than any altcoin that is invested in. Although, there are some other altcoins I feel should be added. Not so many people are aware of the utmost potential that BCH has. The same is also applicable to ETH.

Because it is what he think. Ethereum price was too cheap as of now and it is good to buy because soon we can see our profit by Ethereum. It has a less chance to become a shit coin because it is the first altcoin in the cryptoworld and there are a lot of legit components regarding Ethereum like ether wallet.

Quantum ? That project is so far away to achieve something that you might loose all the investment until something will happen with the price or tech as my personal though is that Quantum crypto project will fail next year or so.
Besides this you have some good investment into altcoins that have a future and will bring you some profits back but I would point my attention to DEX coins and also a few masternodes to have a little from everything...

I think from the capital that you have what if you are more in bitcoin and focus with a little coin, you can start from Bitcoin, XRP and XLM because only when this coin still has the potential to be able to make a profit, does it have risks but at least the risk is not too high.

Your diversification is not good because you allocate your money in so many altcoins. It is better if you will only buy altcoins that you can manage. The potential reward that you can get from that kind of investment strategy is low.

investment management is important to monitor the price situation and see part of developments that occur. therefore you should invest in several coins that can be managed with you, in other words smart investment. if investing in lots of coins will also be bad, you can't monitor every coin but if you can I think that's a good thing

Very true, many times I see investors having all kind of complex strategies to profit from the markets and after thinking about them I see they have merit and if they apply it then they can make money with their strategies, but as soon as something goes wrong they immediately begin to look for what is wrong with their strategy and change it radically when the only thing they needed to do was to stick to it and wait for the market to improve its conditions.

Nice combination but if I'm in the position to choose 5 coins only, it would be btc, eth, ada, ltc, and maybe neo. Also none of them is a safe haven, including btc.

Well, if he will not choose any more risky coins, then he can miss a very big profit. so I think its percentage diversification is built very good

With the volatility that characterizes the crypto market, frankly one strategy is as good as another.
There are those who follow consecrated strategies and get only losses, there are those who proceed in a completely insane and disorderly way and become a millionaire.
Good luck!

That's a good portfolio right there. It will boom once the poeple our their money to cryptocurrency market. So far, we don't have much volume in the market. That's why the price stays on bearish trend. No Ethereum. That's interesting. Good choice of coins tho. If you have extra funds, try investing on IEOs. That's also a good way to generate income. It's easy and quick income. Just buy on reputable IEO Exchange and you'll get profit.

Actually mate putting money in different coin is a good idea ,but make sure as well that you can gain good return in the future.  Because you know not all coins nowadays can succeed , what i mean due to the current situation of the market . for me in my opinion much better to focus with the top coins in order to protect your capital and to assure you can accumulate profits . Actually holding btc is a good idea but in my view  the rest of your alts seems not certain ,wherein because of being not popular. I hope you make technical analysis first before buying that coins.

It's a matter of how well every investors did with their research, since market can be unfavorable and because of heavy fluctuations some coins from the list might not have any progress. Investment always needs to have good research and good analysis as there's always good potentials when you
fully understand how the market works with the entire market. always do your DYOR.

Invest with top altcoin like ethereum, ripple and bitcoin cash, maybe your collection altcoin investment is not good with many altcoin you choose look lower price. You must looking with altcoin can grow up and down every day because you can playing with price to get profit, if choose with altcoin price always down you wait for long time to earn profit with your investment money.

Strategies that prioritize bitcoin as a major investment are good and in my opinion important. In addition to bitcoin, for altcoin, it is better to choose altcoin which is in the top 50 because it has a large transaction volume and also the exchanger factor determines me in deciding to invest

but at least we must determine support to buy altcoin which is on a downtrend. so we can look for buying areas to be more effective. for me it's better to choose altcoin in the top ranking for investing, because it's safer with a large marketcap. so it can be indicated that altcoin has a solid community

Your investment plan as a newbie is really impressive since you have a good idea on how to make investments. Diversification of investment is ideal and it seems that you chose your investment depending on your own criteria of crypto that you think has a potential in the future. You are making a wise investment decision setting an allotted amount of money monthly.

Yes, op diversifying investments is impressive. But the way he proportioned it is kinda kinky. He could have made it simpler and easier to track. Just like this:
BTC 35%
ADA 25%
XRP 20%
EOS 10%
QTUM 5%
XML 3%
ATOM 2%

In this format he can easily memorize and keep in his mind. We don't have to make things complicated as it only give us stress.

I agree with your strategy in investing in crypto. always dedicating more money to invest in bitcoin is the right thing. because bitcoin is the main currency in cryptocurrency. and most altcoins always follow the price of bitcoin. for altcoin I choose ethereum, ripple, litecoin and BNB in my opinion those four coins are potential coins because they have sophisticated technology and also have a large trading volume. I am sure in the future bitcoin and the four altcoins will increase.

It depends. Let's assume that OP is a panic seller, and he holds the biggest percentage of his investment in Bitcoin, then the price suddenly drops (let's say from $11,000 to 8,000) that is a good scare, then OP panicked and sold all of his bitcoin, afterwards, the other day, it went back to normal, he just lost his profits and didn't wait for the bull run, what a sad ending.

I think it would be good if OP will divide it equally, just being safe.

I think you should study first and learn from the ones who are already done trading before until now, they can actually give you some tips on how to trade safely and effectively. Because as of now there are lots of trading sites that are not trusted and might be scam you. Choose and pick some trading sites in which there are lots of good reviews from traders and also consider the bonuses and gifts because some of the trading sites are giving some bonuses to the traders. You should have a solid portfolio for you to earn a lot of money you want, it is actually important. Have research on a token that you want to buy and hold so that you can really earn.

1 the problem in this case is panicked easily, not in bitcoin or altcoin
2 that's just assume

so, that diversify is good. we have to give more to promising coin, in this case is bitcoin.

I am not expert but maybe having an investment in fewer coins will be very helpful. Especially with that you will be able to focus more and maybe will have a portion of your savings which is now used to buy lots of coins. That way, if the worst happens, you still have money to buy the coin at a cheaper price so you don't have to wait for the initial price to return if you want to sell your coin. BTC, XRP, ETH and maybe TRX and EOS can be option.

i don't know why you didn't enter ethereum in that investment, in my opinion ethereum would be a good option under bitcoin, you have a lot of funds and you also buy a lot of bitcoin compared to others, with that much capital i'm sure you still have to put ethereum in your portfolio so you holding lots of potential coins which are basically very good for investing in projects that have long and good prospects for a long time

in my opinion your strategy in responding to early retirement planning and switching to crypto is not a bad thing, it is very good and you are supported as a programmer you will understand quickly.
For the selection of tokens / coins I think you are great as a new person who will invest, yes how not the coin mentioned by you is a coin with high potential, do not forget very to potentially low too, why is that, in this crypto when we invest and predict it's not an easy thing, even though there are many reliable traders but they also experience a loss, but it's not a big problem because it's all part of the process.

This is my personal opinion but i think XRP is not worth to invest much because the growth of this coins too slow compared to other alts. I think because XRp is not decentralized and the owner can stablize the price so it won't go down and also go up. I think this coin should become stable currency because it's already famous among the crypto traders but also the price is not worth for investing.
I would suggest spend 10% of your assets for hunting a good ICO/IEO because that can bring much profits if you choose the right project

I never agree to make an investment by listening to other people's opinions for obvious reasons. It will not get so far and I prefer to do what I know while just listening to the opinions of other people. Diversification is necessary under the current market conditions but as a crypto investor who understands the risk definition, you have to take a considerable and minimized risk for achieving the maximum outcome.

I will also encourage an increment in the percentage of bitcoin. It is a way too low. I would recommend 70 percent at least. There is no point in holding so many coins. They are not going to benefit in any way. Somehow, I feel like investors choose this path because they do not fully trust bitcoin. This is more of a safe plan than a beneficial plan. bitcoin is the best of best and must be invested the most.

Looking at your portfolio, I get the impression that you are diversifying, alternating plans alt. This is a good idea.
But I think you should narrow your assets to invest in some outstanding alt.

There are investors which do not like to add bitcoin to their portfolio because they do not feel they are really investing since their profits in fiat can increase but not their profits in bitcoin, and while they are correct at the same time there is no need to take the risk of having a portfolio made of only altcoins, focusing in bitcoin can limit your profits when an altcoin season appears but as we see now it can also boost your profits when bitcoin is the coin that is growing the fastest.

Your strategy is not bad, but what you need to know is the fact that different traders with different investment plans and strategies. What worked for mr A might not likely work for mr B.

Just as you have rightly mentioned, your pocket determines what you can invest and the quantity stated by your percentage is of good proportion.

If two different persons employ the same strategy and one makes money with it and the other does not then it is clear there is something wrong with that trader and he needs to look at what it is, but in my experience most of the time what is wrong is the ability to control your emotions in key situations, if you were to give me a choice between a person which knows everything about trading but cannot control his emotions and someone with strong emotional control but no experience as a trader I will choice the second in a heartbeat to be the most successful.

I am surprised that you are missing some prominent and potential altcoins like ETH from your portfolio as you should contribute 10-15% of your funds toward ETH and invest more in Btc for long term high returns.Rest of the altcoin you have choosed are good as per your wish but do some research there are many more good coins available in the market so invest wisely.

I think to close it and make it smaller. A note closed group of coins would be better for you. Take your favourites and concentrate on them. Your portfolio would look good with this strategy but remember with divercity you need the divercity of money too. Each share of money needs to be a certain amount to be worth it. So stick to a handful of currency and you can't go wrong. If you decide to start investing more then you can start buying all these other coins you talk about. I personally stick to 5 coins.

I think the altcoin choice you made is quite solid and has long-term prospects. With a larger share of Bitcoin representing a fairly expansive portion of investment and I think this is a good strategy if you want to hold it for the long term

There was no problem with this investment because he has so many good options during this time. If you are rich, you have the right to choose the coins you love and hold in the long term. He may not be interested in this market but the profits from this market help him earn a passive income in investment. I personally love that list and would consider investing on this list if I have a lot of money.

In my opinion, he should choose Atom more because this is a coin that is expected to grow very high in the near future and can completely beat other leading altcoins like Ethereum.

try to restructure your investment, its good as you have chosen to invest more on BTC but you can also include ETH and Bitcoin Cash, they are good alt coins too and you wont regret making that decision, Dont also forget to rule to invest when the price is at the lowest so as to maximise your return. best of lucks.

During altcoin have on the top rank with coinmarket cap I think is best solution for investing but when looking bitcoin have down maybe waiting is better way how to get keep holding for investing, I think above your altcoin assets only eth become potential for long term investment way because have many investor hold eth assets for future.

my advice to you, reconsider investments from your list. I mean you need to invest 50% in BTC, 30% ETH & BNB, 20% for LTC & EOS. it's important you have to be able to manage your financial management correctly, because investing in unpopular coins is far more risky compared to coins that are already popular. at least can reduce your losses in terms of investment.