A recent analysis by The Motley Fool argues that the crypto market is shifting away from short-term speculation toward long-hold assets, driven in part by the introduction of spot ETFs. They identify Bitcoin, Ethereum, and USDC as the core trio for a multi-decade investment, with an initial allocation concept of 60% BTC, 40% ETH, and the remainder in USDC, starting from as little as $500.
Bitcoin remains the dominant asset, accounting for roughly 60% of total crypto market cap. Across 13 years, it has been the top-performing asset in 10 of those years, and even in bear markets its drawdown has reached around 36%. Some institutions describe Bitcoin as digital gold and use it as a hedge against macro uncertainty and geopolitical risk. The Motley Fool notes Bitcoin’s combination of upside potential and downside protection as a rare asset.
Ethereum has evolved beyond a simple crypto asset into the backbone of the blockchain ecosystem, underpinning DeFi and a wide range of applications. It is increasingly favored by Wall Street and sits at the center of efforts to tokenize real assets. The third pillar is USDC, a dollar-pegged stablecoin that functions as a “digital dollar” in DeFi, offering yields through deposits and management, with potential growth as the DeFi landscape expands. The proposed strategy emphasizes that, with spot BTC and ETH ETFs, even a $500 allocation can achieve diversification, and over decades, blockchain tech and the US economy may grow together.
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