Bitcoin Forum

Hey
im talking about investing in BTC, Altcoin and shit coin
how you invest? like 50% BTC/ETH for long time and 30% alitcoin and 20% shit?

and a general question:
Why people get upset when, for example, bitcoin goes from 42 to 41? they know it will increase to 50, so There is nothing to lose. Their money is safe. I do not know the meaning of loss in this situation

I will put less into the major coins as the chance to growth was so small compared with the new coins or altcoins.
I were putting 30% to the major coins for long term hodl, 20% as reserved fund and the rest go to the altcoins.

It caused by some people are having their TA prediction Sometimes when bitcoin goes down and they were thinking if it could be a signal for the bearish trend to happen. Even when you're holding bitcoin and you can also face loss when bearish trend was making your coins go to the bottom. I guess you're thinking that if since people has not sold their coins and they were not loosing but this can't be applied to the any crypto holders.
That can still be called as a loss eventhough the price only dipping a little bit

Why would an investor even delimit a percentage of their investment to shitcoins all in the name of trying to diversify, I consider that to be synonymous to self-sabotage, I know some 'lottery' shitcoins have turned profit-provider to some lucky investors, but it's basically a few and all about luck, more people have lost to this shitcoins than there have been gainers. I'll definitely just choose a long term project like Bitcoin and be rest assured it can't dump out of the network and would surely provide ROI in the long run.
In my opinion, it's newcomer investors who get worried by this, they have not really experienced correction periods or a time of spontaneous plunge in the network, thus any depreciation in price causes them to panic, I think when an investor comes to grasp with how the network works, especially as regards it's volatility, then minor price corrections wouldn't bother them.

NO, 100% on Bitcoin for sure. If you don't take high risk then, go on with the 100% investment in Bitcoin.

Because they are looking for a short-term investment which is Bitcoin is a long-term investment. Bitcoin is not a pump and dump, it has a real investors.

My investment strategy is not the same all the time to be honest. Sometimes, I choose to put my money in Bitcoin and Ethereum 50% each. But some other times I prefer one of them over the other at a bigger rate. For example, Ethereum price was still rising while Bitcoin price was decreasing some days ago and then I chose to invest more into Ethereum. And I make nearly all of my investments for a long term.

guess ,maybe funds they invest are large sometimes if it drop just a little the loss make a panic ,the reason for all that is fund how much you put risk that arises is also big ,so the consideration of why the price fall just 1 dollar is already making emotions ,everyone has different funds you ask for investment and everything is not directed at individuals there maybe also be investors from companies that involve many people

Usually when bitcoin goes down, it is controlled by the media that carries bad news about it. So we will be upset after seeing bitcoin only go up for a while and then go down again. That's so annoying

I divide my capital in 70% for Bitcoin and 20% for ethereum then I can risk the remaining on any altcoin of choice, but in choosing the altcoin I will rely my search on the most performing coin of the week and check its volatility of market price so I can make quick profits within a short term.

maybe because your job is trading. if a BTC get down, feels you are not present on work and lose your daily salary.
i have work 8 hours per day in company after that trade for fun and increase my money, maybe this is why i cant understand it

50% and up for bitcoin and like 20%-30% for Ethereum and you decide for the remaining.
It's a state of mind that we don't want to see the lower price and that's why we're too upset looking at bitcoin drops.

They just probably scared cause a 1k down is really big already and if they had only few bags of it the decrease could really feel. Thats actually normal if you are a holder, just ignore its volatility and your good to go. Only those conscious or sensititve to price movement get scared that they portfolio would go down hard.

We must be able to collaborate with investments, especially those related to cryptocurrencies, bitcoin can be invested together with altcoins, as long as we have a good view and analysis of bitcoin and altcoins themselves, regarding the percentage of investment in bitcoin and altcoins it depends on each individual person, but most people invest in bitcoin, if that person has a lot of capital, while people who don't have a lot of capital usually invest more in altcoins, because altcoins are not too risky in carrying out investments, so investment decisions really depend on the readiness of each person's capital.

currently most of my assets are in altcoins, and Binance Coin is one of the assets that I hold with a larger nominal than other atlcoins. for shit coins, I just hold it and hope that the coin will have a price even if it's not high.

they didn't know that it was going to be $50k, and it was speculation and prediction, because of that, many people were patient and kept holding their assets even if the price continued to drop, as it is today.

however, they are upset that currently their assets are dwindling, and that is perfectly natural. the next thing to consider is whether we should sell or hold it. Personally, I hold my assets when the price drops, although I'm a little annoyed to see that.

A very good strategy and I hope you can always get profits at any time, because for me personally investing is only in what I can manage and also what I can withstand when one day I experience loss of money or minus assets when the condition is in correction, that's all, but the choice remains on the already popular Bitcoin and Altcoins.

When you decide to invest, the first step you should know is, the level of risk posed by the investment, Bitcoin is the best investment for now, compared to other altcoins, but crypto market conditions are not always in a good position, correction will occur and will affect the viability of bitcoin, but you also need to know, corrections will continue to occur in the crypto market, if you panic and decide something without good judgment, then it is certain that the investment you make will be risky, bitcoin will continue to rise and fall in selling value or buy and it is very natural to happen.

Any transaction will bring risks, and many people choose to give up when they are most suffering.
Really mature traders will choose Bitcoin. This mainstream currency that has been hit countless times but still grows brutally, I recommend buying Bitcoin for a long time.

their investing is in crypto, not GOLD and OIL, it drop down a little but growing up more and more so you will never losing any profit in crypto .
You may have less profit but you will not lose.
in crypto we are investing on NOTHING. all crypto story is fuzzy. But some people talking like a thief stole all their money from home. However, by waiting and holding, the value of their crypto will increase, it will lose 1000 value but soddenly increase 5000 . all the story is about this.

Although I do not know the feelings of those who earn money (trading) without real working just siting on their chair (It is not fair ) , but I completely agree with you

My portfolio consists only of altcoins and by that i mean relatively new altcoins. So i don't own any of the big projects like ETH or Sol or stuff like that either. I know that most of the forum members in here will probably think that this is a bad idea. The reason why my portfolio consists only of relatively new projects is simple. I am pretty new to the crypto space and i don't have enough spare FIAT to buy 1 BTC or 10 ETH or stuff like that and i just don't want to buy 0.1 BTC or ETH. I am also not sure if there is still room for another x10 for BTC and ETH, that is why i put my FIAT into pre-sales of new projects and so far i am in the profit zone so it could be worse.

Why is that unfair in your opinion? don't they also use their money and mind when they sit in that chair? today's whose name is working does not have to go through sweating and working in the hot sun, if you have a smart mind, then money will always come to you even if you just sit in your chair at home

You asked a very good question about of investor's Frustration. I want to tell you that all investor never think that i bought bitcoin when it price was 42k and now has 41k, only short time trader and new investor think about it. Long time investor always think that now price has down but next time it will PUMP.           

They do not ready to see the down of bitcoin price and get upset when that happens. If they want to invest in bitcoin for a long time, they will not be upset as they know that the price of the bitcoin will increase. They will try to buy more if the price is down too deep and I am sure they already did that when the price reached $41k. Right now, if the price still increases to $44k, they are making a lot of money if they sell their bitcoin at that moment. But that will back to their plan, whether they want to sell at that price or still wait for their target price. You can diversify your investment not just in bitcoin but in altcoin but you need to be ready with the volatility on the altcoin price.

When it comes to diversification of your portfolio then this is something a personal preference because some people aren't really that financially capable on having lots of coins in their portfolio.

Its up to your choice whether you do allocate 80% or lesser with Bitcoin and other or the rest would be put up in altcoins.About losing then its an inevitable feeling that you would really

panic out whenever there is some price decrease and seeing that you are in negatives.When you do already get some experience then you would really get used to it.

do you really want to invest with shit? Well mate you should think about it, because shit is shit and they cannot recover once they're at dip.  Wherein must think about investing to some coins that already had proof because  that how you can assure there willl be a good return after all, so must seek for the good project than seeking for shitcoins because they're totally useless.. So be aware.

Invest on altcoin depend price for bitcoin and see have touch support price for altcoin or not? I think if still have saving fund in your account better to buy back neve care maybe you loss before because bitcoin dump. Now best opportunity to buy on lower price before bitcoin pump and make price back to higher.

It's now more of an opportunity for those who haven't bought before as well as an opportunity for those who want to recover the amount of their lost assets because at such a low time it's best to make a few purchases on any good Altcoin.

LOL.. dude you are funny. Who in their right minds would invest in "shitcoins"? If someone is investing in such coins, then it is clear that he doesn't agree with that sort of labelling. For example, I would consider both XRP and Doge as shitcoins. But there are a lot of people who don't agree with me. And they have received good returns as well. Doge returned 200x profits during the last 12 months. But for me, the recent spike with Doge is not enough make me change my strategy. My first preference is for BTC (90%), with some selected altcoins making up the second preference (ADA, BNB, BCH.etc).

I myself don't invest so much and I also don't have the hope of being able to get a lot of profits because my luck is always there when I invest, for example, I buy always at a loss because I can't read in detail the movement of any coin that I want and at this time I am only in a safe point by holding a little asset and I will not let go as long as my capital has not returned...

You can first read the strategy of the other successful investors who manage to choose the right coin to invest in and try it if it works for you. If not, you can always renew the strategy you did base on your personal experience. It's fine to use the other method that has been successfully tried by those investors just make sure they are up to date because it has more chance of success. just one more thing, don't rush everything when you learn from scratch better delay everything is done to say sorry afterward.

use a strategy against the tide because sometimes, there are some crypto assets on the market that don't live up to expectations. On the other hand, when things are going down, this crypto asset seems to be bucking the trend. So, for the time being, you can shift your focus away from Bitcoin and make money in that asset.
In this case, you must be able to follow the market closely and compare price patterns. There are two notable examples of such a crypto asset, and it has garnered a large following thanks to the unpredictable and countercurrent pattern of BTC.
The first is Binance Coin (BNB)
Another coin mentioned is Chainlink (LINK) which when BTC or ethereum goes down this coin goes up
After the Bitcoin price has recovered, later you can return to the market with a more confident spirit.

In my case I dont fall in some pump and dump shitcoins knowing that its so and highly risky to invest with it. I instead put my funds in some establish altcoins such as BNB, XRP, DOT, AXS and ADA.

Investment in Bitcoin is a good idea. 50% money into bitcoin is also a good choice.
I would suggest you use your 40% fund for altcoins and the rest of 10% for the shitcoins. Even 10% is also a big amount for the shitcoins. Dont do gambling with your money bigger than 3% of your total fund.


Because they don't have patients. They don't know how an investment works. If you are a long-term holder of Bitcoin, You don't need to be panic. There will be a lot of pumps and dumps. You just need to wait for your target price. The good investor of Bitcoin tries to accumulate Bitcoin when the price falls down.

Your calculations are very easy, but different from the reality. I personally bought bitcoin 1 day ago, then 3 days later it went down, and my money was gone, but I haven't sold it, the problem is, why every time I buy bitcoin it always goes down? And it doesn't just happen to me, to everyone. when I sell bitcoin at the same price, automatically the price of bitcoin jumps high when I don't have bitcoin, I am very surprised. why it happened to me... so sad.

i think we are all greedy, No matter what. greedness has cause us huge loss. everyone wants the crypto market to keep raising without falling. just like it happened from September to MARCH last year. we saw a huge price movement which made many people move into crypto thinking it is all about bull run. the market will always correct itself

Some people can't afford to see the market going down, they always prefer to see it rising all time which is not possible, there will always be ups and downs in market that's the only way it will balance out,
And as for the investment enquiry, I would suggest 50% on btc and rest 50% can be split between eth and alts depending on your preference.

The number of greedy peoples will certainly make the market difficult to predict, especially if there are many scam projects so we must be careful with our coins, even though the market is dropping again, but I'm sure that the end of the year will be full of big surprises after Mr. Elon Musk.

this is called risk if you buy at 41k and the price drops to 40k sometime when you buy, if you believe you will get a profit keep holding ,

when i lose
when the market pump only saw and during the dump I started to panic and finally I lost how much % of the previous dupm price

The quantitative composition of the fund that I allocate for investing in Bitcoin, Ethereum, or altcoins is always different. It all depends on the current state of the market. Stable coins are designed for the long term, while in the short term one has to deal with altcoins that are not stable and often have to fix the results by switching to bitcoin.

My investing strategy is that 70-80% of my capital is in mainstream currencies like Bitcoin, Ethereum, BNB, Matic, Tron. And only 20-30% I use for shitcoins and defi-projects that I am not sure about,because they are new, but trendy. Now I have this part of my capital mostly in NFT-games' native tokens as I see hype around this sphere.

NFT even cardano glanced at it, for some reason this NFT is quite attractive to some people because of the hype, strangely they mostly look at NFT games rather than NFT art, even though it is NFT that has a lot of influence on the value of gwee on ETH.

Why would you put 20% in shitcoin?  Do you still want to go for a walk or rather you like to take risks.  If in my case 15% of that money will always be put into BTC or as a reserve to buy in dips.  5% is on IDO.  As for your general question, reality is not harsh on your way of thinking and saying but market is always associated with FUD,so believe in bitcoin maximalism and freedom
I am bullish on bitcoin in October to the end of the year.  The real journey is beginning

You are right, our allocation of investment must be top coins to shit altcoins. I had some INScoin and PPT, those altcoins were delisted from the Binance exchange. Now I realize that old altcoins aren't safe in the crypto industry. Always stay updated with the new technology and blockchain (top altcoins topics are different). Some people were upset because they could earn more profit if they sell Bitcoin before the price dump.

I don't think Investing in shitcoins will be profitable. Because now the shitcoins hype has over. You can invest 60% in BTC/ETH and 40% in other good altcoins, like ADA, Matic, Arpa, TLM, Dot these are some good alts for investment.

I hope you can always profit at any time, because for me personally, only invest in what I can manage and also what I can withstand when one day I lose. hole. But when you decide to invest, the first step you should know is the level of risk posed by the investment, Bitcoin is the best investment currently, compared to other cryptocurrencies, but the problem is the Cryptocurrency market events are not always profitable for investors like us, the important thing I think is that holding bitcoins long term will yield the highest returns.

If you invest in shit coins even knowing that you are talking the risk then there is no one that can help you. There are many good projects in the market where you can invest and there are projects where the development is really slow and you might not be getting the expected profits in a short period but eventually you will get the profit if you invested in legit good projects.

Anyone investing in top coins in the market will not be crying when the market goes down momentarily, those who cry and investors who are new to the market and most probably invested when the market was at the top.

42 to 41 means down and why do people get angry when the price of Bitcoin goes down because people have to wait again for the profits to be made even though people know that the price will go up again but have to wait. Sometimes it can also be angry because with the decrease in the price of Bitcoin, the price of other coins will also go down. I think that's the reason why people get angry like your common question.

For sure! nothing harm will happen if you choose top assets and you are willing to wait for your set target, and regarding with shit coins, that category itself means that you are taking the risk.

If you are willing to proceed, you should have a big nerve and lots of spare money in case that you got trapped and you don't have other option but to sell with big losses.

Everyone who is conservative and always values their money will keep on a much safer side. Investing with top coins will be their priority.

As long as you don't sell it, you have nothing to lose, maybe only the value in the portfolio is reduce, but it also picks the top coins and is likely to rise again after a while of decline so don't regret it and believe in the full investment.
Regarding shitcoin, this is indeed a risk that must be faced, because in every decline there will certainly be anxiety once the decline can become severe and difficult to return, so I always give a percentage of at least 20% because I don't dare to invest too much in shitcoin for me this is too vulnerable .

If you are new to crypto market, then you are not used to it seeing bitcoin having price fluctuations. People will panic eventually when they see the value is decreasing. Of course its a normal scenario, even other coins fall into their dips. But it won't be a loss in your part if you are still holding it for long term, unless you start panic selling then it will definitely make you a loser.

However, when it comes to investing, i always prioritize bitcoin over the others. It's like 50% for bitcoin, 20% for altcoins, and maybe 10% for shitcoins. Shitcoins won't give high chances anyway to make profits so if ever i lose, i always see to it that it won't create a big impact on my funds.

I don't think I  have lost a kind of investment as such but the problem is when price drop and you still hodling the coin, it will take a long time but it gets recover. I have not lost hugely in my investment because I don't get greed and follow the rules.

Yes, I agree with this opinion. For investment in shitcoin a smaller percentage will reduce the risk of losing money smaller. From some experience, investing in shitcoin is like a lottery game if you are lucky you will get a lot of results. But luck will not always be obtained.

There would be always some hope for some people thats why they do really consider out on investing at least small on shitcoins and hoping that it would pump and then they would really make
out some considerable amount of profits but of course this isnt always the thing that do end up because basing off on numbers of coins in the market then choosing one is something
the hardest thing to be done but i dont really disagree on the idea on putting at least a small percentage on shitcoins if you could really put some risk on.

Every time the market dumps, people are losing money and that's the main reason why they are so mad because they made a bad decision and its pretty normal. I do diversify my investments and I don't put everything in just one basket because I know the risk of it and I should grab every opportunity available in the market. We can buy many good coins as much as we want, but always do your own research to know when to buy.

I will never think of investing in shitcoins even only several small percentages.
I will invest 50% in Bitcoin, and at least for ETH and BNB. And some about 20% on the top coins that have good and strong real use cases. But not the new project.

Because so many people panic enough with his market drop. If we area holder, it seems not to be a big problem. But if we are traders or daily traders moreover, it can make our conditions worse. But actually, we only lose our money if we sell the coins.

It's 60/40 for me 60% on Bitcoin and 40% on the rest and no I never invest in shitcoins, when I see a sign that one of my coins is turning into a shitcoin I cut my loss and dump it and trade it with a coin with good potential, investors should never keep shitcoins in his portfolio and investors should at all times comfortable with his portfolio, your portfolio is the one that can make or break your financial status.

Composition is a step in determining investment actions, while the method of allocating funds to be invested must be balanced with market conditions that occurred at that time, there must be stability between events that affect the crypto market, so that our investment is truly on target, if it is a long-term investment then we have to look at the more stable condition of coins in the market compared to short-term investments, whether altcoins and bitcoins are long-term or short-term investments.

Many reasons make them get panicked. Sometimes if the money that is been invested is small and Bitcoin price drops it can affect the capital. And another reason for been panicked is I think they have giving period of time in their mind which they planned to invest.

Generally speaking, new investors who have just entered the market are panicked or upset. They are afraid that their funds will be lost, so whenever they see this downward trend, they may think that they will face losses. They have no investment experience, so they will be very worried about this.

In the beginning I chose to invest in multiple currencies. Now I only invest in Bitcoin, and I choose to liquidate all other currencies. I have invested in Bitcoin for a long time now.

Its always expected to happen particularly with new investors as they don't have much experience in the crypto market. So they probably think that they are already losing when in fact that they will only lose if they start selling at low prices. So it will be a profitable advice if they choose those top altcoins that are mostly with high potentials to be worth something more in the future. Bitcoin and ethereum will mostly fall as the top picks while some of the meme coins like shiba and solana will be more profitable when investing for short term.

70% of my coins is in Bitcoin, we all know that Bitcoin is good for long term investment so I know even when the price drops it's still a good investment and 25% is Ethereum, Cardano, Solana and AVAX and the 5% is in shit coins that keeps pumping and dropping but it's only good for short term investment or day trading.

My portfolio currently consists of 40% BTC, 30% ETH and the rest of 30% are evenly spread out between my top fave altcoins - ADA, LTC and this promising gem called XSN. I strongly believe these coins will going to bring me some good profits in the next bull run.

i invest my money 100% into BTC and ETH for long term and never take the risk to invest money in shit coin except altcoin i will swap it to btc or eth

well everyone has a different level of psychology and financial needs, the reason why they panic sell because they think about profits in the short term that they shouldn't think about whether it's bearish, bullish or sideways. what they should focus on is controlling emotions and finances without having to care about market conditions

I suggest most of the investment should be investing in BTC/ETH because both are major altcoin and if you have extra money then should be invested in other altcoins and shit coins and if your extra money will be lost then you should keep in mind this loss. Before investing in a crypto market you should prepare the mind for patients because the hold is gold and if you hold in the down market then you will gain in a bull market.

it all depends on his confidence to keep holding the assets he has even though the market is in a deep correction.
because even though the assets are owned by ETH or BTC. when psychology is not strong enough to see a corrected market then the option is to sell quickly before losing. it is very possible to do even many who do it.

If you look at the situation in 2017 and 2018, what do you think when you look at the current BTC price with the current BTC price in 2021.
When you don't sell the BTC you have, then there's nothing to worry about, because only the value goes down and the Bitcoin you have remains in your wallet, someone is waiting for the price to drop to buy, but when the price comes some people are scared because they worried the price will drop, therefore choosing Top coin is a good choice.

I had a loss when I bought ETH in 2018 and a few days interval the price was down, but in that situation I didn't choose to sell straight away and I remain optimistic about holding it.
I assume actually we have nothing to lose because the number of coins we hold remains the same only different prices and the rise and fall of the price is natural in the crypto world.
And it is evident that in 2020 I will make a considerable profit.

By the way btc is not altcoins. Yeah we should have most of our investment going into BTC and some big percentage of our portofolio to ETH for long term holding because the price drop won't be so hard but also the profits won't be as much as other new coins who got highlighted as a good future coins.
And holding sometimes is good but if the price drops too hard, we should up to date with the current news because if there is an shutdown announcement from a coins or something bad will be happen, we have to cutloss to reduce the loss.

For those who are angry, maybe they don't understand the movement of market prices, of course these 2 things will be used as an opportunity for them, if the price of the coin drops of course they will use their funds to buy, but what if the funds have bought a coin and suddenly the market price is going down, of course we don't need to panic, only time will tell when is the right time for us to sell the coin, that's how I invest, I usually invest only in real coins, namely BTC and ETH, for my other coins still in doubt.

If you want to invest, you must choose a good coin and then invest. You will never invest in seat coins.If you want to invest, you must invest in the coin market between 1-30. All these coins are very unlikely to be destroyed. As the Bitcoin market grows, so will all its coins.

What do you mean by "shitcoins"? Why would you throw away your money when you literally know those are shitcoins lol, it seems like you are trolling but please don't. You are just wasting your money by doing that.

That's what it called "panic". They are panic to see that their assets go down and can't cope it.
It's pretty normal for us and that's why we need to know and let the panic not burden us to think ahead, so you can keep hold your coin until your goal achieved.
However, when the price goes down. It could be a great chance for buyer to buy on low price so they can get profit once the price rises up again.

I invest in all the coins that are in the best position In particular, I invest in Bitcoin Etherium BNB Solana.I still have these coins in my wallet. I've noticed that as the bitcoin market grows, so do all these coin markets.If the market grows enough, all these coins will grow enough.But if anyone wants to invest, of course I will talk about all these coins to invest.Investing in all these coins will greatly reduce your risk.

I have never fully invested in one coin, I will still share it with other coins, for example btc 30%, eth 10% and memecoin 10.
 Because when the price drops so I won't lose much of my money.
 And why be angry when the price drops, when it is the beginning of a market correction, and to add to future profits.

Never invest in one coin, I'm always use stop loss that's why i never loss my money, and im waiting for market fully dumped and when market dump than i picked my favourite coin for short time hold like 1 week or 2 week   ;D

Going with strategy is never been bad because it's helps in bearish trends just because of this, mostly analyst give tips like this never put all eggs in one basket. Bitcoin can be invested together with altcoins, as long as we have a good view and analysis of bitcoin and altcoins themselves mostly peoples love to invest in bitcoin because it's not risky like altcoins.

Bitcoin is the best investment for now, compared to other altcoins, but crypto market conditions are not always same because greedy peoples will certainly make the market difficult to predict we have too many FUD and hype from different regions without any solid reason as whales want to manipulate more market as they want to buy or sell.

You probably will not understand when this kind of issue happened. Whenever there is a shift in the price of BTC. I think it is because you did not have a large amount of BTC that was why you said you did not know why people got scared whenever such shift happened. Let me explain it to you in this way. Imagine you have invested like close to half a million dollars in BTC that is approximately 10-11 BTC. At each price of BTC around 45,000$, let's say 11BTC. So from every drop from 45,000-44,000$. You will be loosing around 11,000$. Can you see the huge difference now. When the price goes down, it affect people that has large volume. But people with small amount might not feel it that much.

A lot of them wondered if it could be a signal for a downtrend to happen. Even if you are holding bitcoin and you can also face loss when the downtrend is making your coin bottom. the best patch is you should invest 50% of your money in Bitcoin and Ethereum it will make you more profitable and safe than many other coins.

it doesn't have to be 100% used at least you need spare funds when talking about investment here. as well as maybe i want to add a little bit of ETH it is part of altcoin :)
and maybe if the comparison is like this I will remove the damn coins from my investment place, even though it may be profitable for some people but I don't want to buy any shitcoins.
about the prediction that will happen is TA and it is not a belief but only speculative by concluding the results of what is being studied, and of course this can be different for everyone because it is speculative in nature.

Most of the times, people tend to have their own way of investing, such as, many people knows that Bitcoin might be expensive for them to acquire thus they will pay more attention on low cap coins with good use cases, so that they can be able to make good gains which is most of the times converted to Bitcoin or Ethereum; even Ethereum is getting expensive now and most people are using same approach to acquire it.
Nevertheless, before thinking of buying Bitcoin and/or Ethereum you must have good funds and ready to be a long term holder, as that is the best way to make the most out of them, but if funds is limited, then the best way is looking towards low cap coins, buy and hold for long term, you will still make your profits.
However, answering your question, I would say 20% Bitcoin, 20% Ethereum and the rest to other good coins making waves now and with more room for growth such as Solana. For the last question, it is not funny to lose money but you have to understand that first before getting involved with crypto, most people who are upset and always check their portfolio might not have carried out their due diligence.