At Total Crypto, we think that investing 20% of our Total Net Wealth in cryptocurrencies is actually a high allocation. No matter how high our conviction was in a cryptocurrency, we would never finance a purchase with debt. Again, this can lead to very stressful and financially damaging situations. When looking at things through the lens of Total Net Wealth, we think it’s easier to determine what we can actually afford to lose in cryptocurrency investing.
Most ICO’s have a bonus system to reward early investors. The bonuses can range from between 10% – 100% depending on certain ICOs, where early investors will receive additional tokens for their contributions. Some ICO’s even have a presale stage (or pre-ICO) that allows the public to invest before the ICO dates. Usually, investments in the pre-ICO stage is higher than on the actual ICO period.
Investing in the cryptocurrency market is exhilarating, but it is also important to make sure your cryptocurrency is secure; there are too many stories of cryptocurrency funds being stolen because of lax security. Hardware wallets are the best way to protect your cryptocurrency, and this article provides more information on hardware wallets and how you can get secured.
All things mentioned above are the elements of my personal strategy that I’ve created over the past months. How you’re going to implement them is entirely up to you; these are simply guidelines for a strategy that has been helping me a lot. It might not necessarily suit your goals and vision. I’m investing for the very long term, and even my short-term trades are done with the goal of increasing the value of my portfolio for the long term.
The Bank for International Settlements, the central banker for global central banks, has warned that cryptocurrencies in the future could become a "threat to financial stability" if regulators aren't vigilant. U.S. regulators appear to be playing catch-up. As of Feb. 6, the cryptocurrency working group put together by Treasury Secretary Steven Mnuchin had held a single meeting.

Most ICO’s have a bonus system to reward early investors. The bonuses can range from between 10% – 100% depending on certain ICOs, where early investors will receive additional tokens for their contributions. Some ICO’s even have a presale stage (or pre-ICO) that allows the public to invest before the ICO dates. Usually, investments in the pre-ICO stage is higher than on the actual ICO period.
Steindorff: Litecoin. LTC taught us a very valuable lesson about the strength of a brand and its corresponding community. We missed the boat on LTC early on because we felt that its use case overlapped too heavily with BTC. It was hard to imagine that LTC could gain any significant market share from its dominant predecessor but despite our beliefs, Litecoin’s brand and community have driven it to become a top 10 cryptocurrency with a lot of volume and liquidity. The lesson here was that the power of a trusted brand and a devoted community has the ability to outweigh innovative tech. 
Coinbase Pro expands on these basic capabilities. Coinbase Pro offers options to make market orders, limit orders and stop orders, to buy and sell. Instead of trading exclusively from USD to a given crypto, Coinbase Pro allows users to trade between cryptocurrencies (so, selling Ethereum for Bitcoin, for instance), and in different currencies (USD, EUR, GBP). Like Coinbase, the cryptocurrencies available for trading on Coinbase Pro are Bitcoin, Bitcoin Cash, Litecoin and Ether.
When I saw the price of bitcoin fall to $9,500, I pressed buy, defying the wisdom of two finance titans and my wife. One hundred dollars, or 0.0101 bitcoins. (A few days later, I bought another $150.) By the time we got to our hotel, my stake had already gone up 10%. One week later, it was (briefly) up 100%. My wife's opinion of me has reportedly decreased by the same amount.
History has proven this to be an often fatal assumptive error. The second things start to stop working, they tend to stop working in an extremely rapid, catastrophic fashion. There’s very little, if anything, stopping us from seeing another Great Depression sometime in the future, be it the near or longer term future. When that does happen — and it almost certainly will, sooner or later, if history is any good teacher — those who haven’t adequately prepared for it and taken appropriate prophylactic measures may very well find themselves in a bad spot.

With cryptocurrencies, diversification simply doesn't exist. We'd like to think it does, as there are more than 1,600 investable virtual currencies, each with their own plan of action and often proprietary blockchain -- the underlying digital and decentralized ledger responsible for recording all transactions without the need for a bank. But the fact of the matter is that most cryptocurrencies tend to move in tandem with bitcoin, the largest digital currency of them all. This association almost always negates the impact of diversification.
For most experienced Bitcoin traders, gaining as much Bitcoin as possible is still the name of the game. We see this time and time again, mostly after a big altcoin run-up. An altcoin run-up usually causes a fall in the dominance of Bitcoin. Then, once the altcoin run-up seems to have peaked, traders start selling their altcoins for Bitcoin again, which causes its dominance to rise. In the past, there were many incidents in which the total market cap only dropped a little while altcoins suffered. This indicates that most people are selling their altcoins for Bitcoin, but are not leaving the market just yet.
Disclaimer: I am not a professional (or even a veteran) trader. I am an intermediate trader with a passion for cryptocurrency. I am disclosing my own ventures in crypto because cryptocurrency trading does make up a chunk of my online income and I want to be 100% transparent with you when it comes to making money online. Investing in cryptocurrencies carries a risk – you may lose some or all of your investment. Always do your own research and draw your own conclusions. Again – this article is aimed purely at advising; draw your own conclusions on whether cryptocurrency trading is right for you.
On the other hand, with bitcoin, I wouldn’t have to trust anyone at all. I would know for certain that my coins wouldn’t lose their value due to inflation as a consequence of their designed and indelible scarcity. I would also know that as I stored my coins myself, no one else, not even a bank, could actually go and spend 90% of my money, and fail to give it back to me in the event of a bank run. Furthermore, no one could forcibly confiscate my money under any circumstances, as I could always store it in such a way that it could never be retrieved except with my consent. No one would even necessarily be able to know how much money I held, unless I chose to make that information public.
With cryptocurrency projects, you are mainly investing in young startups. The sobering statistic is that 90% of all startups fail. We see no reason why the failure rate of cryptocurrency projects should be any lower in the long term. That’s right; if you invest in 10 random cryptocurrency projects, on average you ought to expect 9 of them to eventually be worth nothing.
We have several financial institutions trying to get an ETF to market, while thus far all have been shot down by the SEC, the Chicago Board Options Exchange (CBOE) seems to have the best shot to win approval due to their long-term reputation of excellence, new product innovation, and there bulletproof insurance. If any bitcoins get stolen, you can bet the customers are well covered. Many were counting on the SEC approving an ETF this month, but it will likely not happen until the beginning of 2019, but when it does, that’s when the real fireworks will begin.
Some futures brokers can have bigger margin requirements, and some require high minimums to open an account, like $25,000 at TD Ameritrade. The futures exchange guarantees traders will get what they are owed but can demand more cash be put into the account if the bet is losing money. That's a serious risk when speculating on a volatile asset like bitcoin, LaPointe says.
Finally, my personal preference is to avoid keeping all my eggs in one basket. Despite the fact that a hardware wallet like Trezor is technically one of the most secure options for keeping your coins safe with a fair amount of redundancy in recovery options, the fact remains that one day I might somehow lose access to my coins held within Trezor. I might suffer a concussion, for instance, that causes me to forget the password or the PIN required to access the Trezor, or perhaps I lose my Trezor and am unable to locate or decipher my recovery seed.
Gold holds its value well because we trust that we will all collectively continue to trust it as a store of value forever, predominantly due to its scarcity and lack of centralized control. Fiat currencies hold their value well when they do because people trust that everyone else trusts the currency as well, and that it is deserving of trust. The moment that collective trust collapses, so too does the currency, no matter what its intrinsic ‘tangible’ value.
Instability is good for Bitcoin. In general, political unrest is not good for the stock market -- whose value is tied to established companies that depend on government services, stable financial institutions, a dependable workforce and so on. However, unrest is good for Bitcoin, which is resilient to political unrest because it is not a government-backed currency. There's evidence that recent unrest in Asia contributed to the Bitcoin price surge. If you think the future holds more instability for governments and traditional banks, you might find Bitcoin to  be a compelling investment.
Bitcoin is often touted as an electronic currency that will change the world, but it is also a highly volatile type of financial asset. In fact, many governments don't recognize it as a currency at all. In spite of the many merchants now excepting bitcoin, a lot of the activity surrounding bitcoin comes from traders hoping to make money on fluctuations in its value.
The cryptocurrency market, which consists of bitcoin and other virtual coins such as ethereum, ripple, litecoin and monero, faced extreme volatility and lost a minimum of $350 billion in value year-to-date due to orders from regulators and hacking. Losing billions of dollars in market cap for cryptocurrencies is not unusual. In December, bitcoin reached a high of $20,000, but dipped to $8,500 by mid-March and is now trading at $6,300.

My suggestion is to carefully select five tokens which work on different technologies like multi-chain, scaling, privacy, storage, and DAG. Learn them and hold them. Follow the projects actively on their social channels, get involved and contribute in any way you can. Collect bounties if they are available to increase your position. This way you are protecting your investment, something you can almost never do with traditional investments.


The introduction of child chains opens up great levels of customisation. It also enables each child chain (which could be a group, institution, private/public organisation, company, etc.) to run its own self contained blockchain ecosystem whilst still benefitting from all the core features of Ardor itself. These features can also be turned on and off as per the requirements of that given project. This feature makes Ardor a very attractive platform for a wide range of use cases.
It’s important to note that the mere fact that something is speculative does not necessarily mean it can’t be a good investment, or that it is merely akin to blind gambling, dependent solely on the luck of the draw. Poker might be a suitable analogy. Poker can be played well or poorly, and skill and calculation lends an incredible degree of advantage to a player’s odds of success. However, the game still fundamentally deals with an immense degree of unavoidable variation and unknowns, and even the best poker player is guaranteed to lose many of their games, even if they play each one ‘perfectly’. The goal, simply, is to win more than you lose, and with the right amount of skill, knowledge, and preparation, this is a possible feat in poker.
The appeal for many is the fact that Bitcoin is decentralized, meaning no specific group or governing body has control over it. Instead, it is secured by advanced cryptography, a set of military-grade encryptions, and regulated by a network called the Blockchain. The Blockchain acts as a digital ledger, confirming buyer/seller funds and establishing the order in which transactions take place.

The 2013 cryptocurrency bubble burst just a few days later, brought on by the collapse of Mt Gox, the largest bitcoin trading exchange at the time. It was revealed that Mt Gox had either been hacked or embezzled from, and no longer had any funds left to honor customer withdrawals. As a result, anyone who had decided to keep their bitcoins in Mt Gox at the time instead of withdrawing them to their own wallets ended up losing all their money. How much the price of bitcoin rises doesn’t mean anything if you lose all your bitcoins, unfortunately.
There's a long list of factors people may point to in an attempt to explain this. Regulators have taken a hands-off approach to bitcoin in certain markets. Dozens of new hedge funds have launched this year to trade cryptocurrencies like bitcoin. The Nasdaq and Chicago Mercantile Exchange plan to let investors trade bitcoin futures, which may attract more professional investors.
"We see continued growth both in terms of the average daily volume and open interest," said Tim McCourt, group global head of equity products and alternative investments at the CME Group, a Chicago-based derivatives exchange. "The volume has steadily increased compared to when it was first launched in December. This is not a one-sided product because we have both supply and demand."

Ripple – Ripple was launched by OpenCoin, a company founded by technology entrepreneur Chris Larsen in 2012. Like Bitcoin, Ripple is both a currency and a payment system. The currency component is XRP, which has a mathematical foundation like Bitcoin. The payment mechanism enables the transfer of funds in any currency to another user on the Ripple network within seconds, in contrast  to Bitcoin transactions, which can take as long as 10 minutes to confirm.
Keep in mind that while you can put however much money you want into GDAX at any point in time, you are generally limited to withdrawing $10,000 per 24 hour period. Thus, if you are buying a large amount of say, Ethereum to send to a token sale address, keep in mind that if you want to send over $10,000, you’ll need to purchase that amount and withdraw it well in advance of the token sale.
UK-based cryptocurrency trading startup, Crypto Facilities, has become the first crypto platform to launch regulated Ethereum futures contracts, making a new derivatives contract available from 4 pm UK time on the 11th of May. The new Ethereum futures contracts represent another step toward the maturation of the cryptocurrency market as complex financial products such as index funds and crypto ETFs loom on the horizon.
The inspiration behind Distributed Global dates back to 2013 when my thesis shifted around how this space would impact the world and where value would ultimately be captured, in digital assets not traditional equity in private companies. This catalyzed a partnership with fellow enthusiast and investor, Tucker Waterman and together we launched one of the first digital-asset funds, Focus Investments, with a thesis on capturing value by investing in the greatest digital asset backed protocols. We believed then and continue to believe today that most industries will inevitably be disrupted by distributed ledger technologies and decentralized digital-asset backed protocols.
Retailer Acceptance – A cryptocurrency isn’t much of use if you can’t purchase anything with it, so before you invest in it, it’s very important to know who and where it was accepted. Some coins are simply built for other purposes and they aren’t designed to be exchanged for goods. Some of the popular cryptocurrencies are widely accepted just like Bitcoin, while some cryptocurrencies can only be exchanged for other cryptocurrencies.
The most common place where people buy and trade cryptocurrency is on the exchanges. Exchanges are places where you may buy and sell your crypto, using fiat. There are multiple measures to judge the reliability and quality of an exchange, such as liquidity, spread, fees, purchase and withdrawal limits, trading volume, security, insurance, user-friendliness. Out of all these, I find Coinbase as the best exchange hands down. It has a beginner-friendly user interface, and an unbeatable 100% crypto insurance.

There is also the Bitcoin Investment Trust from Grayscale Investments. We’re mentioning it for the sake of comprehensiveness, but it’s a bit of a different animal. The fund is invested in bitcoin, but keep in mind, you’re actually buying the fund, not bitcoin. You’re a step removed from owning actual bitcoin, even though you are still exposed to its volatility. The pluses, Grayscale says on its site, are that you get the structure and tax benefits you wouldn’t get trading bitcoin directly; on the other hand, fees will eat up a chunk of anything you earn, negating the reason many people are drawn to cryptocurrencies in the first place. All of which is to say, you should really, really know what you’re doing as an investor if you’re going to dive into this pool.

Bitcoin is also dramatically cheaper to use than almost any other form of international money transfer today. Already, for this use case alone, it proves its worth over current dominant international money transfer solutions, such as Western Union. I can transfer money to anyone in the world, in any amount, and have them receive it without moving a finger in just a few minutes. For this privilege, I have to pay just a few cents, no matter how much I’m sending, instead of a huge proportional percentage, with hefty minimum fees and surcharges.


“Custodial concerns are extremely important for CIOs, and if they are unfamiliar with the brand of the custodian of the asset, they won’t get comfortable getting involved in the market,” he said. “Volatility is always a key concern as well, in addition to skepticism about the driver of returns on crypto assets and a lack of regulation in the space.”
Over the past six months, the cryptocurrency crash has brought out the skeptics. In fact, the ongoing “Crypto Winter” is a healthy cleansing of the ecosystem because the correction is effectively separating long-term value creators from short-term day traders. All in all, we believe that a “Crypto Spring” will arrive. And, institutional capital, a.k.a. the sticky, smart money, could possibly usher in this new season.
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