A crypto portfolio reflects each individual’s goals, risk appetite, and investment horizon.
Building a balanced portfolio is essential to navigating the volatile world of cryptocurrencies.
Here are the main types of wallets and their characteristics.
1. The Conservative Portfolio
Features :
• Main objective: Preservation of capital with minimal risk.
• Composition: Mostly large-cap, well-established and less volatile cryptocurrencies.
• Exemples : Bitcoin (BTC), Ethereum (ETH), XRP (Ripple).
• Exposition :
• 70-80%: Low volatility assets (BTC, ETH).
• 20-30%: Stablecoins (USDT, USDC) to generate passive returns via staking or lending.
Benefits :
• Less exposed to market fluctuations.
• Regular passive income (staking/lending).
Disadvantages:
• Lower potential gains compared to aggressive portfolios.
2. The Aggressive Portfolio
Features :
• Main objective: Maximize returns with a high risk tolerance.
• Composition: Focused on emerging cryptocurrencies and high-growth projects.
• Exemples : Fetch.ai (FET), Starknet (STRK), Immutable X (IMX), Celestia (TIA).
• Exposition :
• 50%: Altcoins with high volatility.
• 30%: Low-cap projects with high potential (eg GameFi, Metaverse, AI).
• 20%: BTC/ETH to limit losses.
Benefits :
• Possibility of exponential returns.
• Ideal for savvy investors ready to monitor the markets.
Disadvantages:
• High volatility.
• Risk of loss of capital in the event of an incorrect choice.
3. The Balanced Portfolio
Features :
• Main objective: Combine growth and stability.
• Composition: A balanced distribution between stable cryptos, blue chips (BTC, ETH), and promising altcoins.
• Exemples : BTC, ETH, XRP, HBAR, Polygon (MATIC).
• Exposition :
• 40 % : BTC/ETH.
• 30%: Intermediate altcoins (XRP, HBAR).
• 30%: Projects with high potential (e.g. decentralized AI or Layer 2 like Starknet).
Benefits :
• Less volatile than an aggressive portfolio.
• Growth opportunities while limiting risks.
Disadvantages:
• Moderate returns compared to an aggressive portfolio.
4. The Passive Income Portfolio
Features :
• Main objective: Generate a regular flow of income via staking, lending, or DeFi.
• Composition: Focused on cryptos that offer staking opportunities or attractive returns.
• Examples: Cardano (ADA), Algorand (ALGO), Polkadot (DOT), Avalanche (AVAX).
• Exposition :
• 60%: Crypto stakes (ADA, ALGO).
• 20%: Stablecoins placed in lending.
• 20%: DeFi projects (Uniswap, Curve).
Benefits :
• Regular income regardless of volatility.
• Good option for long term investors.
Disadvantages:
• Returns dependent on APY rates, often fluctuating.
• Risk of smart contracts in DeFi.
5. The Opportunistic Portfolio
Features :
• Main objective: Take advantage of market trends and cycles.
• Composition: Built around short term opportunities (ICO, IDO, airdrops, etc.).
• Examples: Tokens from emerging projects, pre-sales, or cryptos linked to major announcements.
• Exposition :
• 50%: Altcoins with high potential in the short term.
• 30%: Stablecoins to quickly seize opportunities.
• 20%: Blue chips to stabilize.
Benefits :
• Potential for high earnings in a short time.
• Flexibility to enter/exit quickly.
Disadvantages:
• High risk of rapid loss.
• Requires constant monitoring.
6. The Thematic Portfolio
Features :
• Main objective: Invest in specific sectors.
• Popular themes:
• Decentralized Finance (DeFi): Aave, MakerDAO, Curve.
• Artificial Intelligence: Fetch.ai, SingularityNET.
• Metaverse/GameFi : Decentraland, The Sandbox.
• Layer 2 and scalability: Polygon (MATIC), Arbitrum (ARB).
• Exposition :
• 70%: Projects related to the chosen theme.
• 30%: BTC/ETH for balance.
Benefits :
• Allows you to surf on emerging trends.
• Concentration of efforts on a specific area.
Disadvantages:
• Risk of dependence on a single sector.
Tips for Building Your Portfolio
1. Define your goals:
• Short term (active trading) or long term (HODL).
2. Assess your risk tolerance:
• Are you prepared to experience significant volatility?
3. Diversify your assets:
• Avoid investing everything in one category.
4. Update regularly:
• Adapt your portfolio according to market cycles.
Conclusion :
The choice of portfolio type depends on your investor profile and your objectives.
A cautious investor will prefer a conservative or passive income-oriented portfolio, while an experienced investor might opt for an aggressive or opportunistic portfolio.
In any case, diversification and active management are essential to maximize returns while reducing risks.
