Crypto Newbie / Portfolio Allocation Planner
Portfolio Allocation Planner
Tell us how much you've set aside for crypto and which investor profile fits you. We return a starter allocation — concrete dollar amounts per coin, not vague percentages — plus the reasoning for each line. No personalised advice; this is the same framework long-horizon investors use to anchor their first portfolio.
Your starter allocation
$1,000.00
Bitcoin (BTC)
$550.00
55%
Still the majority — BTC is the lowest-conviction-required position in crypto.
Ethereum (ETH)
$300.00
30%
Smart-contract base layer for DeFi, NFTs, L2s. Long-term thesis is more concentrated than BTC's.
Solana (SOL)
$80.00
8%
Single top-10 altcoin position. Pick one you actually understand — SOL is illustrative, swap with another major if conviction is elsewhere.
Stablecoin (USDC / USDT)
$70.00
7%
Dry powder to deploy in 30%+ drawdowns. Not for hoarding indefinitely.
💡 Stablecoin cushion: $70.00 (7%)
⚠️ Read before acting
These are templates, not personalised advice. Allocation is a framework — your specific picks and timing matter at least as much. Never invest what you can't afford to lose, never invest with leverage as a beginner, and always set up the wallet + seed phrase backup BEFORE you buy your first coin.
Why these splits?
Across every long-horizon crypto investor we've talked to, the same pattern holds: a BTC anchor, an ETH sleeve, a small concentrated altcoin bet (if any), and a meaningful stablecoin cushion to deploy in drawdowns. The percentages move with risk tolerance but the SHAPE doesn't change. Skip the cushion and you can't buy your own thesis on a 60% flash crash. Skip BTC and a single altcoin blowup decimates the book. The allocations below try to match the framework most often associated with surviving a full bull-bear cycle.
How much of each crypto should a beginner buy?
The standard beginner framework is BTC-heavy with an ETH sleeve and a stablecoin cushion. A conservative starter would be roughly 70% BTC, 5% ETH, 25% stablecoin — meaning if you have $1,000 set aside, you'd put $700 into Bitcoin, $50 into Ethereum, and keep $250 in USDC/USDT for deploying in drawdowns. Balanced and aggressive splits add ETH and a concentrated altcoin position, but the BTC anchor and stablecoin cushion remain.
Frequently asked questions
+Is this financial advice?
No. These are templates beginners commonly use, not personalised advice. Your tax situation, country, age, debts, and dependents all change what's right for you. Use this as a starting framework and adjust.
+Should I deploy all the money at once?
Usually no. DCA the total over 6-12 months so you're not buying a single price point. The Portfolio Planner gives you the destination allocation; the DCA Calculator helps you size the monthly buys.
+Why no specific altcoin recommendation?
Because the right altcoin depends on what you actually understand. We don't pick coins for you — we tell you how much of the portfolio is reasonable to spend on altcoins. Pick 1-3 names you can defend.
+Why so much stablecoin in the conservative split?
Cash-equivalent inside crypto serves two roles: dry powder for drawdowns, and a psychological cushion so a 50% red day doesn't make you panic-sell. Conservative investors need that buffer more than upside.
+I'm using a different country's currency. Does this work?
Yes. Enter your amount in your local currency. The percentages stay the same. The Crypto Converter tool tells you what that translates to in USDT or BTC at today's rate.