At 3 a.m., a student sent a screenshot of their account: 1,500 yuan principal, turned into 80,000 in three months. Some say it's impossible, some say it's pure luck. But in reality, the game rules for small funds are simple—survive first, then make money.

I've spent years developing a strategy called the "Three-Partition Capital Method." It's not some secret trick; it's a survival approach learned through practical experience. Having little money isn't a mistake; reckless moves are.

**First hand: Divide your funds into three parts, each with its own way of life**

No all-in bets—that's the first principle. Split 1,500 yuan into three accounts, each with different strategies.

Short-term account 500 yuan: Focus on small 3%-5% fluctuations of major coins like BTC and ETH. Exit immediately once the take-profit point is reached—don't be greedy. This account is for practice and accumulating small profits.

Swing account 500 yuan: Wait for clear signals on the daily chart before acting. For example, when volume increases and MACD shows a golden cross, it's time to act. Take a 12% profit and cash out half of the principal, while the rest is protected with a 4% trailing stop-loss. This is where most of the profit comes from.

Reserve account 500 yuan: This is for emergencies. No matter how crazy the market gets, don't touch it easily. Many people lose money not because they see the market wrong, but because they run out of bullets in the end.

People who go all-in and bet everything have long turned trading into gambling. Those who keep some reserve have the strength to strike when opportunities come.

**Second hand: Strictly enforce stop-loss and take-profit, discipline is more valuable than judgment**

What is the most common mistake in the market? Setting a stop-loss but not executing it, or making profits but not taking them and adding to the position.

Set clear rules: 3% stop-loss for short-term trades, exit immediately; 12% take-profit, cash out right away. If the market trend is wrong and breaks support, admit defeat. It sounds simple, but few can actually do it.

**Third hand: Wait, rather than chase**

Most people lose money not because of trading itself, but because of over-trading. If there are no good signals in a day, do nothing. Better to stay in cash and wait, than be dragged by market noise.

Mainstream coins like BTC and ETH will always have opportunities. The key is that you are still alive and have chips. The core of this method is: survive, wait for opportunities, and then make money with the right approach. Step by step, small funds can also grow big.