After I finished this tweet, many friends reached out to me wanting to know some details, and some discussed the significance of purchasing insurance. Here are my thoughts.
Insurance is a hedge; in my view, it is a hedge against high-risk investments. In the past, I used my annual earnings to buy $BTC, but starting in 2026, a portion of my annual earnings will be allocated to long-term, low-risk returns. Insurance and QQQ are my first steps.
I have been in the cryptocurrency field for quite a while and have seen many friends come and go. Many make money, but very few can consistently profit. The reasons for losses are often due to leverage leading to liquidation. Therefore, my plan is to reduce leverage and increase low-volatility, high-certainty returns.
I personally believe that allocating 20% of total disposable family assets to a long-term investment, whether in insurance or passive investment forms, is acceptable. Then, using 20% of the total annual returns for reinvestment is a relatively healthy figure, especially for friends whose entire wealth is in the cryptocurrency field.
At the beginning of 2025, I mentioned an investment plan of 30% gold + 30% short-term U.S. Treasury bonds + 30% long-term U.S. Treasury bonds + 10% Bitcoin. However, by 2026, this combination may not be optimal. My current plan is:
30% QQQ + 25% SCHD (reinvestment) + 25% EWJ (reinvestment) + 15% IBIT + 5% ETHA
Currently, I plan to invest $10,000 each month. Following this investment strategy, I have prepared $120,000, investing $10,000 each month, while the uninvested funds earn 4% interest.
This way, I will have about $2,200 in interest over the year, which is a 2% position. We can discuss this part later.
- Those who can understand my concept probably have a grasp of it; for those who don’t, I will explain it slowly. This investment strategy reflects my views for 2026.
@bitget VIP, lower fees, better benefits.
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