I noticed an interesting trend — this year, people are approaching crypto completely differently. No excitement, only cold calculation: how to preserve and grow capital. But here’s the problem — the market has become much more complex, and there are no universal solutions.

It’s especially hard for beginners who are just starting to figure out which cryptocurrency to buy. I spoke with several experts, and they agree on one thing: a strategy is needed, not chasing after a miracle coin.

They all emphasize one point — safety is more important than anything. Forget about guaranteed profits and promises of quick earnings. Instead, it’s better to use a ladder approach: small amounts, regularly, at the same intervals. This is called DCA, and it works. The main thing — invest only what, if lost, won’t ruin you.

Now about which cryptocurrency to choose specifically. Experts are almost unanimous: start with Bitcoin and Ethereum. These are the market anchors, the foundation of the entire ecosystem. The ratio depends on your risk appetite. More Bitcoin — more conservative. More Ethereum — higher potential, but also higher volatility.

Why exactly them? Because last year, 91% of altcoins fell by 50-70%. Even professionals find it hard to digest, and beginners — even more so. Therefore, the core of the portfolio (70-80%) is better kept in these two assets.

The remaining 20-30% can be distributed among major projects from the top 20 by market cap. Solana, Polkadot, BNB — projects with real utility and a clear role. If you want even more safety, add USDT. This will reduce risks and provide flexibility for maneuvers.

Mem coins? Forget it. Dubious projects? Even more so. This is not for beginners.

There’s also an interesting direction — Perpetual DEX like Hyperliquid or Lighter. These are decentralized platforms for trading derivatives, where you retain full control. But this is for slightly more experienced users — beginners should allocate a maximum of 5-10% of their portfolio.

In general, here’s what I’ve taken away: discipline is more important than any single coin. Calm, regular purchases, realistic expectations, storing on hardware wallets. Which cryptocurrency to buy — up to you, but it’s better to start with this basic scheme. Whether it works or not — time will tell, but the logic behind it is sound.