#数字货币市场洞察 A friend recently threw me a question: If you’ve saved up 1 million, would you put it all into USDT and just lay back to collect interest?

My answer might be surprising — no, I wouldn’t.

It’s not that I dislike stability, but the logic for operating large sums of money shouldn’t be fixated on that bit of interest. What really grows your money is designing a structure that’s “ready to strike at any time.”

Last month, a holder complained to me: “I put 1 million into financial products and only got a bit over 80,000 in returns for the year. Feels like a waste of time.” I asked him to send me his portfolio, and the problem became clear in a second — all the funds were piled into a single basket, with no flexibility and unable to catch any volatility.

I then shared with him a strategy that’s quite popular in the crypto space, which you can call the “layered position method”:

The first layer is 20%, purely defensive. This part isn’t expected to skyrocket; it’s just there to keep your peace of mind — things like staking nodes, liquidity mining subsidies, or low-volatility stablecoin products. Having this layer means you won’t panic and make rash moves if your account is temporarily down. Once your mind is steady, your next moves won’t be distorted.

The second layer is 50% — this is your main battleground. Here, you don’t chase hype or go all-in blindly. You focus on clear, risk-reward setups for swing trades. For example, when ETH pulled back from 3435 to 3160 recently, the levels were clear and the risks controllable. Using this portion for short positions covered more than half a year’s expenses after one successful move. The key isn’t frequent trading, but waiting for those “high-probability + good odds” moments.

The third layer is 30%, reserved for unexpected opportunities. The real big moves in the market often come suddenly — new tokens crashing, big players getting liquidated, black swan policies. These fleeting windows can only be seized by those who have cash ready. Last time, a new project’s support funds suddenly dried up, so I shorted immediately with almost zero hesitation. Profits go to those who are prepared.

This structure is very straightforward in effect: 20% as a safety net so you can sleep at night, 50% in the main position to generate consistent returns, and 30% in an “explosive” layer for surprise gains. Your money stays liquid, you control the pace, and you don’t miss opportunities — naturally, your returns are much faster than simply collecting interest.

At the end of the day, it comes down to this: it’s not that the market doesn’t give you opportunities, it’s that your capital structure simply isn’t designed to “catch those opportunities.” Get the structure right, and the speed will naturally follow.