Profits are made with your coins, and your account has grown from tens of thousands to hundreds of thousands or even more. What's next? Many people fall into a misconception — thinking that with more funds, they should buy more coins. But in reality, the biggest test at this stage is whether you can control your positions.

I am often asked: as your funds change, how many coins should you hold to have a reasonable allocation? Honestly, this isn't a math problem; at the core, it's about risk management.

**Funds at the 100,000 stage: Surviving is more important than anything**

At this level, don't think about getting rich overnight. The key is to understand the market temperament and to build psychological resilience. My advice is simple — hold about 3 types of coins: one stable asset to support the foundation, one with potential in the ecosystem, and one with high flexibility. Allocate roughly 30% to each, and keep 10% in cash.

The advantage of small funds is flexibility. If your judgment is correct once, the account growth can be impressive.

**Between 200,000 and 500,000: Start playing the "portfolio" game**

Once your account doubles, the most dangerous thought is overconfidence. At this point, I switch to a core-satellite approach:

Put 60% of your funds into highly certain assets — your safety net; allocate 30% to 3 or 4 logical sectors; and keep the remaining 10% as cash reserves.

Why keep cash? Not to chase quick profits, but to have options when extreme market conditions arrive. This right can be a lifesaver at critical moments.

**Reaching the million level: "Diversify" but with discipline**

The goal shifts — it's no longer about chasing explosive growth but about outperforming the market and limiting losses. Usually, I keep the number of coins within 8 to 10, while deliberately reducing industry correlation — meaning don’t put all your eggs in one basket.

Regular adjustments are necessary: reduce positions that have grown too much, and add to those with unchanged logic but lagging in gains. Use systems instead of emotions to avoid frequent mistakes.

**Above ten million: Simplify strategies, tighten discipline**

At this level, the simpler, the better. Focus on long-term holdings of infrastructure-level assets, gradually reducing short-term speculative trades with high volatility. The core requirement is: any single risk event must keep your account drawdown within an acceptable range.

**Final words**

When funds are small, concentrate; when large, diversify. But no matter how much, always leave room for adjustments for the next opportunity. The crypto world never lacks opportunities; what’s scarce are those who can stick to the end.