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How to build cryptocurrency portfolio in 2021?

Ten years ago, Bitcoin was nothing but an exciting technology that can be used in the future. It was not considered as an asset class or something that can one day change the world. But right now, almost everyone you meet regrets that they didn’t invest in or mined Bitcoins in their early days. 

As the years passed, thousands of new cryptocurrencies were created, some of them came out to be scams, some failures, and the others which contributed something to this growing space soared to greater heights in no time.

Investing in an unregulated and volatile market like cryptocurrencies holds substantial risks, and therefore it is crucial to trade with caution since high profits are always associated with increased risks. Therefore, below are some tips that can help a beginner to manage and build a profitable portfolio. 

#1 Diversify your portfolio

Portfolio diversification is one of the most prominent risk management techniques there is. Never go all in; in an unfortunate event of a market crash or a crash of a particular genre of coins or rug pull of a specific token, your portfolio might survive rather than betting all your life savings into one crypto asset. 

Moreover, short-term crypto asset market movements(> 3 months) are generally based on certain waves, which is usually the hot topic of that bull run, for example, NFT and DeFi. So diversifying means tapping into both safer, riskier, and such wavicle coins. 

Classification of cryptocurrencies: an investor’s point of view

Every investor must make sure that they have at least one of the below categories in their portfolio and adjust their portfolio’s risk to reward ratio accordingly. 

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Asset class cryptocurrencies

These are general cryptocurrencies that are usually forks of BTC, whose only function is to act as a transaction. These are generally top cryptocurrencies that are relatively low risk and medium rewards during a crypto bull run. For example: 

  • Bitcoin (BTC)
  • Litecoin (LTC)
  • Bitcoin Cash
  • Infrastructure class cryptocurrencies

    These coins are usually natives to blockchain ecosystems. Therefore, the demand and volumes of these coins increase according to upcoming events, institution collaboration, or adoption. For example:

  • Ethereum (ETH)
  • Cardano (ADA)
  • EOS (EOS)
  • Service class cryptocurrencies

    These cryptocurrencies are generally native to companies that are aiming to solve a particular problem in the crypto space or give out special services. The long-term price actions of such coins are dependent on the quality of technology, adoption(retail or institution), and generated revenue. These coins are usually the most profitable, but they come under riskiest too. 

    An investor needs to accumulate all these three types of crypto asset classes for a profitable but safe portfolio. 

    #2 Do not just scalp

    Scalping might give an investor quick profits, and it is an important element of earning with cryptocurrencies, and it also helps an investor to keep up with the crypto market. Never commit more than 10% of your portfolio, especially if you scalp using margin or leverage. 

    #3 Farm and stake

    If an investor is going to buy and hold their assets for a long period of time, instead of keeping them in the exchange, a trader can stake or farm those tokens to earn an interest in a fixed period of time. 

    #4 Portfolio rebalancing

    This is one of the best strategies to make sure that your money is where you are most comfortable. In portfolio rebalancing, an investor reorganizes their allocated portfolio from time to time. In a maturing market like crypto, strategically positioning yourself is very important if you want to make good profits. Portfolio rebalancing is the first step to a profitable career in cryptocurrencies.

    #5 DYOR (Do Your Own Research)

    In 2021, it is important to do your own research since there are many malicious elements out there in the market that might guide new investors in the wrong direction. The  vast majority of coins don’t get adequate exposure, and there are many in their accumulation stage. Learning technical and fundamental analysis will enable you to get good entry and exit points in your trade.

    Some Frequently Asked Questions

    What is the difference between developing a crypto portfolio and a stock portfolio?

    As mentioned above, cryptocurrencies are relatively more volatile. A 10% pullback is a dip in crypto, but it is a crash in the stock market. While building a crypto portfolio, one needs to factor in several elements like volatility, the price difference in various pairs and markets, global markets, global news, potential growth, etc. A perfect crypto portfolio needs to be strategized accordingly.

    What are some of the common mistakes made by beginners while building a crypto portfolio?

    Going all in

    Beginner investors usually invest all their capital in a particular crypto asset that could dearly cost an investor if things go south. But, even if it doesn’t, there is always an opportunity cost. There are always multiple opportunities to invest in different coins during a bull market which will have different return potentials and risks. 

    Overtrading

    Even if you are a spot investor, trading can be beneficial; it can be used for anything from hedging against the market or earning with the market trends. But overtrading is something a trader on a profit spree or back-to-back losses might do, which can be reckless. As a crypto trader, recklessness might lead to dire consequences and hence should be avoided. 

    Not keeping some spare USDTs.

    With crypto, there is always going to be a chance of another buying opportunity, probably lower than your entry points. Keeping some spare USDTs might help change the crash into an opportunity for profits.

    What are some common strategies that can benefit your portfolio?

    Any kind of investment is all about approach, and therefore it is important to pre-plan and select the strategies fit for you. 

    • Rupee Cost Averaging/Dollar Cost Averaging
    • Diversifying
    • Keeping some USDTs aside for going with the market trends

    If you want to make a crypto portfolio in 2021, you also need a good exchange; check out WazirX,  which lets users buy crypto assets with INR at shockingly low transaction fees.

    Further Reading:

    Crypto Portfolio Rebalancing: What it is and How to do it

    Top cryptocurrencies you should buy and hold in India 2021

    Crypto Makes a Comeback

    How to Buy Bitcoin in India in 2021 (Updated)

    How to Invest in Cryptocurrency in India with Little Money

    How to Evaluate a Crypto Project

    Growth of Decentralized Finance (DeFi)

    Why Bitcoin is The Most Disruptive Force

    The post How to build cryptocurrency portfolio in 2021? appeared first on WazirX Blog.

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