Stocks vs encryption assets: which one to choose now?

The most tangled question to talk about is this – should I go all in on stocks with my money, or should I allocate some to the crypto world?

The answer is not that complicated: both are needed.

Stability of Stocks

The long-term return of the S&P 500 is around 10% (nominal return), approximately 6-7% after excluding inflation. This is the return expectation that most people should use as a benchmark. Leading players in niche markets like NVDA (with recent quarterly revenue of $46.7 billion, a year-on-year increase of 56%) have a higher risk, but the actual cash flow and growth story are there.

The Logic of BTC and ETH

BTC: A fixed supply of 21 million coins, institutional holdings are increasing, and the price continues to rise - essentially, it's the story of digital gold, focusing on long-term purchasing power preservation.

ETH: A programmable chain that supports smart contracts and RWA tokenization, with greater growth potential but also far higher volatility than BTC.

How to configure without worrying too much

This is key: 90% stocks + 10% crypto assets.

In the crypto portion, at least 50% should be allocated to BTC (the most stable choice). Only then consider ETH or smaller coins.

Why? Small coins and “Dream Story Coin” often suffer huge losses, with insufficient risk compensation. The volatility of large coins is already considerable. Adjust once or twice a year, let the fluctuations in crypto make money for you, but don't let it overwhelm your overall allocation.

Core Logic: Achieve compound growth from multiple asset classes, rather than betting on a single narrative winner takes all. With a stable stock base, use a moderate crypto exposure to seek higher returns – this way, you can sleep well and not miss out on growth opportunities.