Recently, an economic forecast predicted that the Federal Reserve might cut interest rates three times in the first half of 2026. At first glance, this information seems far away from us, but its impact on the crypto market should not be underestimated.

First, understand what a rate cut means—it essentially increases market liquidity. When the cost of funds decreases, investors will seek more asset allocation channels, and stocks, bonds, and cryptocurrencies may all become options. Historical data shows that during the previous rate-cut cycle, Bitcoin and mainstream cryptocurrencies responded noticeably, which is not a coincidence but a natural market reaction when liquidity is abundant.

However, there is a key point: the market usually reacts in advance to expectations. Although the rate cut policy will not officially be implemented until 2026, sensitive funds have already begun to position themselves. This means that from now on, macro expectations may gradually influence market trends. Don’t relax your vigilance just because the time is still early.

So how should ordinary investors respond?

**First, maintain core positions.** Assets like Bitcoin and Ethereum, which have withstood market tests, tend to perform steadily during periods of loose liquidity. Short-term fluctuations are normal, but long-term trends require patience. Frequent trading may lead to being shaken out.

**Second, keep some flexible funds.** Going all-in has never been wise. Setting aside some liquid capital provides opportunities to build positions gradually during short-term dips caused by data volatility. Especially when high-quality assets are priced during panic, these are often the best entry points.

**Third, be cautious with small-cap coins.** The rate-cut cycle will indeed attract risk-tolerant capital, but market hot spots rotate quickly. Before policies are fully implemented, the market may experience multiple fluctuations. Focusing resources on leading assets will reduce risk.

From a broader macro perspective, the key is not to precisely predict the exact day of policy shifts, but to check whether your investment structure is healthy enough in advance. Is your allocation reasonable? Is your mindset stable? Do you have enough emergency funds? These are much more important than chasing short-term trends.

In the crypto market, the core is not how much you earn, but how long you can survive. Persisting in the market, staying rational, and patiently positioning are the correct ways to navigate cycles. The macro trend is about to change—be prepared and wait for opportunities to arrive.