#夏日创作营 If I only have $100, I wouldn’t go looking for the next “100x coin.” I would buy all of it into Bitcoin (BTC) or Ethereum (ETH), treat that $100 as already spent, and then hold long term.

This choice is mainly based on three considerations:

· Survive first, then talk about making money: the crypto market is extremely risky. Just in Q1 2025 alone, there were 1.8 million crypto projects that collapsed. As a beginner, using a small amount of money to gamble on low-cap altcoins will most likely mean paying tuition. BTC and ETH, on the other hand, have been running for more than ten years and have been validated by time as “hard currencies.”
· Blue-chip coins are the core position: mature strategies generally recommend allocating the bulk (for example, 50%-60%) to BTC and ETH as a safety cushion, and only the rest to chase higher returns. In contrast, BTC is like “digital gold,” mainly used to store value, while ETH is supported by the entire decentralized finance ecosystem behind it.
· Small funds are better suited for DCA: putting the entire $100 in at once makes it easy to buy at a high point. A steadier approach is to use a DCA strategy—for example, split the $100 into $20 per week, buy in 5 times, and average the cost.

As for how to split it, you can go 50/50 between BTC and ETH, or allocate 60% to BTC and 40% to ETH. After buying, forget about that money and be patient.

Of course, this is only a reference based on a conservative logic. If you’re trying to chase high returns with a “I don’t care if I lose everything” mindset, then you could consider allocating a small portion to altcoins. But remember to control the proportion—don’t get carried away.