Let me share a fund management method I use myself—it’s simple and straightforward, but works pretty well.

The core idea is to split your principal into five parts. For example, if you have 10,000 yuan ready to trade crypto, divide it into five portions of 2,000 each. Then follow this rhythm:

Start by using one portion to buy a coin, and keep an eye on the price after buying. Did it drop 10%? Add another portion. Did it rise 10%? Sell one portion. Just keep repeating this cycle until all five portions are used up or your position is fully sold.

The biggest advantage of this method is it keeps your mindset steady—you won’t panic when prices fall because you still have ammunition to average in. Let’s do the math: if you use all five portions, it means the coin’s price has at least been cut in half. Unless you run into an extreme market event, it’s rare for the price to drop that sharply all at once.

The profit side is pretty straightforward too. Every time you sell, you’re locking in a 10% profit. For example, with a principal of 100,000 yuan, using 20,000 per trade, each sale nets you 2,000 yuan.

But there’s a drawback to this method: the 10% fluctuation range is kind of wide, so it’s easy to go a long time without any trades being triggered. Your funds might just sit idle, or get stuck in a coin with no movement, so the turnover efficiency isn’t very high.

The solution isn’t complicated—choose coins with relatively mild volatility, and you can park your idle funds in financial products on some exchanges to earn interest. That way, at least while you’re waiting for market moves, your money can still make a little extra for you.