Ben Simpson (YouTube) explains a simple crypto portfolio plan for deploying $100,000 over a 12-month growth horizon. He prescribes a 60/20/20 allocation: 60% minimum to Bitcoin as the long-term core, 20% to layer-one blockchains (the “app store” / growth engine) for upside, and 20% held in stablecoins on yield-bearing platforms to deploy into opportunities. He recommends earning short-term yield (claims up to ~7–12% in USD), rebalancing when altcoins over- or under-perform, and storing core holdings in cold storage rather than exchanges.
Chapters
If you've got $100,000 and you're looking to deploy it in crypto and you want to build your wealth without taking the risks by following influencers, I'm going to break down here my exact game plan and strategy to grow your capital in crypto over the next 12 months without risking and betting on crazy altcoins. Now what I like to do is break down my portfolio with the 60, 20, 20 rule. 60% always goes into bitcoin. That's minimum for me. I always want to have majority bitcoin because that is our digital goal, that's our assets going to grow long term, it's going to offset the inflation and it's going to continue to appreciate time after time. The next part is where I'm focusing right now is the layer one sector. This is the app store that applications are built on top of. Layer ones have the most focus on them. Right now this is where I have 20% of my portfolio allocated. This is the growth engine. This is where revenue really comes in and we look to grow those altcoins and down the line sell them down to accumulate more bitcoin. Now the other part right now is just sitting in stable coins. The reason I'm sitting in stable coins is because the short term has been quite choppy. I, I always want to have stablecoins ready to deploy if we get better opportunities. And I want to sit that in a yield bearing platform where you can earn up to 7, 10, 12% in USD on day after day as that starts to accumulate and then we can start to buy new assets. Now we always want to rebalance this as the time goes on, as we start to get altcoins that over extend and maybe underperform, we want to always rebalance. This is a strategy that we continue to maintain, but it's a very simple strategy that that continues to win. We want to store it in cold storage. We don't want to lose it by putting on an exchange and then we make sure it is trusted. So that is my $100,000 game plan. That is how we're going to grow our wealth over the next 12 months.
