Bitcoin, Ethereum… Here is the portfolio of the beginner crypto investor

The spectacular rise in Bitcoin puts the cryptocurrencies back on the front of the stage. But where do you start when you are novice? Here are the keys to constitute a balanced wallet, between Bitcoin, Ethereum and other cryptos.

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Has the time come to throw himself in the water with the cryptos? After a sacred tumble that saw him fall up to $ 75,000 on April 9, Bitcoin found the heights, and crossed a new record at 111,000 dollars on May 22, for an increase of 17% since January 1. This new race for the summits could lead to other cryptocurrencies (considered as “altcoins”, that is to say simple alternatives to Bitcoin) in its wake. In this context, which also sees the “queen of cryptocurrencies” is increasingly institutionalized (notably across the Atlantic), it can be tempting to take the train on the move, even if we have already let a few wagons pass.

But before you take the plunge, especially when you start, it is better to have some tips in mind. Starting with the cryptos on which to position themselves. An exercise to which the Coinhouse platform is engaged in for its customers, with its strategic wallets adapted to different profiles. For novice investors, little surprise, it is Bitcoin (BTC) which composes the majority of the allowance (55%), the rest being devolved to Ethereum (ETH, 45%), the second cryptocurrency in terms of capitalization (that is to say on which the largest volumes of money are invested and valued).

A half-henled distribution between Bitcoin and Ethereum, or a further diversification

This “core” allowance (heart) “Is the most interesting for a beginner wishing to start to expose himself to the crypto. It does not require any particular follow -up. We invest in the two most developed and secure cryptos in the crypto ecosystem, and which should last in time “explains Thibaut Desachy, director of asset management at Coinhouse. Same story with James D. Touati, consultant, trainer, trader and founding president of The Nest, with a 50/50 distribution between these two digital assets: “Bitcoin is still the king, the refuge value,” digital gold “, with serious forecasts at 150,000 or even 200,000 dollars.»» While leaving a good part in Ethereum, however, “Whose institutional adoption also takes off”note the consultant, with promising technology allowing to build digital contracts (called intelligent contracts, or “smart contracts”).

“The key objective of a beginner investor will be to diversify his crypto portfolio to gently get used to the volatility of these assets”conversely pleads Alexis Bouvard, France director of Bitpanda. For this, the platform offers, for example, crypto indices, which allow in a single payment – as with “Tracker” – to expose themselves to the courses of the five largest cryptos of the moment (currently: Bitcoin, Ethereum, Ripple, Binance, Solana). Ideal when you do not know it and you want to dilute its risk -taking on several assets as much as possible.

Another tip in this sense for novices: think of the regular investment of small amounts (DCA), in order to reduce the effects of large variations in courses, and see if you are able to take losses, same small: “On any volatile active ingredient, this method makes it possible to reduce the impact of increases and declines, to invest automatically, and to avoid cognitive biases, like yielding to panic and selling everything in the worst time”details Benjamin Chemla, co -founder and CEO of Shares.