People often ask me, how many coins should I hold to have a scientifically balanced portfolio? To be honest, position management is not really a math problem—it's an art of risk management.

The most common pitfall for beginners is, having little money but buying many different coins. If your account doesn’t have at least 100,000 yuan, but you still want to diversify into dozens of coins, you probably can’t even remember all the project names, and when prices drop, you panic and cut losses. I’ve seen too many such disasters.

So how to solve this? I’ll break it down based on the amount of funds.

**Starting with 100,000 yuan: Focused and refined, avoid spreading too thin**

This is the trial-and-error stage. The goal isn’t to get rich overnight but to learn how to interpret market fluctuations and control your mindset.

My suggestion is to select 3 coins carefully. For example, BTC as the base (stability), ETH as the ecological foundation, and add a potential growth sector, maybe AI or DePIN. Each position should be about 30%, with the remaining 10% kept in cash for quick replenishment during sharp drops.

Many people think this is too little. But think about it—small accounts are more flexible. Doubling one coin can significantly impact the overall account. If you diversify into a dozen or more, a 20% increase might only earn enough for a meal, and you won’t have the energy to track all of them. It’s not worth the risk.

**20万-50万: Layered defense with both bottom line and offense**

After doubling your funds, the most common issue is inflated mentality. Some go all-in on trending meme coins, while others stick only to BTC and ETH—both extremes can lead to losses.

A safer approach is a "core-satellite" allocation.

The core position accounts for 60%, still in BTC and ETH, but now you can add 1-2 mainstream L1 chains, like SOL or TON. These assets tend to be less volatile and serve as the ballast of your portfolio. The satellite positions make up 30%, with 3-4 medium-risk assets for experimental growth. The remaining 10% is kept flexible for opportunistic moves.

This way, you have both defense and offense, making your portfolio structure healthier.