Free Portfolio Allocation Calculator
🥧 Portfolio Tool
Portfolio Allocation
Calculator
Get the right Bitcoin, altcoin and stablecoin split for your risk profile.
INR
Conservative
60/20/20
60/20/20
Balanced
50/35/15
50/35/15
Aggressive
30/60/10
30/60/10
Maximum
20/75/5
20/75/5
How to Allocate a Crypto Portfolio by Risk Tolerance
Portfolio allocation divides your capital across different asset types to balance return against risk. Bitcoin acts as a relative safe haven within crypto. Altcoins offer higher potential upside with higher volatility. Stablecoins preserve capital and provide dry powder for buying dips.
The Conservative framework (60% BTC / 20% Altcoins / 20% Stablecoins) suits investors who prioritize capital preservation. The Aggressive framework (30% / 60% / 10%) suits high-conviction growth-oriented investors with longer time horizons.
Frequently Asked Questions
Even aggressive investors typically hold some Bitcoin as a portfolio anchor. Its deeper liquidity and lower correlation to altcoins provides some stability. Completely avoiding BTC dramatically increases portfolio volatility.
Stablecoins serve multiple purposes: they provide capital to buy dips without needing to liquidate to fiat; they can earn 3–10% APY in DeFi lending protocols; and they protect capital during sudden market downturns.
Many investors rebalance quarterly or when allocations drift more than 10–15% from targets — for example, when altcoins grow from 35% to 50% of portfolio due to a price surge. Rebalancing forces you to sell high and buy low systematically.
This tool doesn't recommend specific altcoins — that depends on your research and conviction. Common approaches: large-cap diversification (ETH, SOL, BNB), sector-based (DeFi, L2s, AI tokens), or concentrated high-conviction picks.
Many experienced investors rotate dynamically: more aggressive allocations in bear markets when prices are low, shifting toward more conservative (higher stablecoin/BTC) allocations near cycle tops. This requires good cycle-timing judgment.
USDT and USDC are the most liquid and widely used stablecoins. USDC is generally considered more transparent due to regular audits. For earning yield, consider depositing stablecoins into established DeFi protocols. Always diversify across multiple stablecoins to reduce counterparty risk.