*this post is for educational purposes and is not financial advice - it is a simulation of my experience in the modern crypto asset market and a story about how I would act personally if I came here with $100 at the beginning of 2026 - read and analyze, DYOR.
Hello! Looking at the market over the past few months, I wondered: what kind of asset portfolio of $100 would I assemble for myself right now, considering all the macroeconomic factors of today? The figure of $100 is not chosen randomly - it is the amount I once came here with, viewing crypto as a hobby. So let's take a look:
1. Despite the state of the market - always diversify your portfolio - divide your capital among different, unrelated sectors.
2. Next, considering current market trends, I would put 1/4 of the portfolio ($25) in tokenized gold - $PAXG which is perfect for this - each token, or its part, is backed by physical gold stored in banks in Switzerland.
3. The volatility of major cryptocurrencies has been too high in recent months; however, I would still put 10% in one of them. Personally, I would choose $ETH as the undisputed leader in the DeFi space and BNB, as a token that, firstly, belongs to the top 1 exchange, and secondly, is a utility token of the BNB Chain ecosystem, which exists separately from the exchange. Therefore, 5% ($5) in each of the tokens.
4. The direction of tokenizing real assets (RWA) is currently trending, so I would allocate another 15% ($15) to tokens from this field. For myself, I would take $LINK INJ and XLM in this area, so 5% in each.
5. The artificial intelligence direction is also not standing still and is developing well today, so I would send 10% ($10) into tokens from this field. Here I would buy ICP and NEAR.
6. One should not forget about the gaming and entertainment sector, so another 5% ($5) goes into the GameFi sector (5%, because the volatility is off the charts here, but there can be x's as well), where my favorites right now are SUPER and NXPC.
7. The DeFi sector will always create some benefit, so I would allocate 15% ($15) of the portfolio, which I would distribute equally between LINK, HYPE, and MYX.
8. The remaining 20% ($20), in the early stages of playing the market, I would put into stablecoins, to place them in staking for interest, to insure against risks. There is much to choose from - USDT, USDC, USD1, USDe, DAI, and so on - I would choose those that offer the best interest for holding (staking) at the time of purchase to have a constant passive income.
This is the portfolio I would assemble as of January 2026 - something with the goal of selling if the price significantly increases (here the favorite is gold), something to hold until the storm passes (here looking at price dynamics), and something for constant, albeit small, profits (stablecoins in staking). The main thing to remember is that in 2026 this game will be long-term; we are not counting too much on quick x's.
I wish everyone strength and a swift end to the storm in the financial markets 🫱🏼🫲🏻
#educational_post #EducationalContent
