Binance fixed investment strategy sharing: long-term holding to earn income

Binance's fixed investment strategy lets users automate crypto investments, averaging costs and reducing manual effort for long-term growth.

Jun 12, 2025 at 12:14 am

Understanding the Binance Fixed Investment Strategy

The Binance fixed investment strategy is a systematic approach to investing in cryptocurrencies, particularly suitable for users who prefer a hands-off method of accumulating digital assets over time. This strategy allows investors to allocate a set amount of funds regularly into selected cryptocurrencies, enabling them to average out price volatility and potentially benefit from long-term growth.

Unlike spot trading or margin trading that requires active monitoring, this strategy focuses on consistent investment regardless of market conditions, which is also known as dollar-cost averaging (DCA). The integration with Binance makes it easier to automate these investments, ensuring regular contributions without manual intervention.

How to Set Up a Fixed Investment Plan on Binance

Setting up a fixed investment plan involves several steps, each crucial to ensure your investment aligns with your financial goals:

• Log in to your Binance account and navigate to the 'Wealth' section.
• Select the 'Fixed Investment' option available under the asset management menu.
• Choose the cryptocurrency you want to invest in — options include BTC, ETH, BNB, and others supported by the platform.
• Decide the amount and frequency of your investment, such as daily, weekly, or monthly.
• Confirm your payment method and authorize recurring transactions using your preferred fiat currency or stablecoin.

It's important to note that once initiated, the system will automatically deduct the specified amount at the scheduled intervals. You can modify or cancel the plan anytime through the same interface.

Choosing the Right Cryptocurrencies for Long-Term Holding

Not all cryptocurrencies are created equal when it comes to long-term potential. Investors should focus on projects with strong fundamentals, real-world use cases, and active development communities. Some popular choices include:

• Bitcoin (BTC): As the first and most recognized cryptocurrency, BTC often serves as a cornerstone for long-term portfolios.
• Ethereum (ETH): With its smart contract capabilities and ongoing upgrades like Ethereum 2.0, ETH remains a top choice for many.
• BNB (BNB): Native token of the Binance ecosystem, offering utility across various services including exchange fee discounts and participation in token sales.
• Stablecoins: For those seeking less volatility, USDⓈ-T or USDC can be used to hold value while still participating in fixed investment plans.

Conducting thorough research before selecting assets is essential. Consider market capitalization, trading volume, team transparency, and project roadmap before making decisions.

Managing Risk Through Diversification

While long-term holding can yield significant returns, it's not without risks. Market volatility, regulatory changes, and technological shifts can impact portfolio performance. To mitigate these risks, investors should consider diversifying their fixed investment portfolio across multiple cryptocurrencies and sectors within the blockchain space.

This could mean allocating portions of your investment budget to:

• Layer 1 blockchains
• Decentralized finance (DeFi) protocols
• Non-fungible token (NFT) platforms
• Web3 infrastructure projects

By spreading investments across different asset classes, you reduce the impact of poor performance from any single asset. Binance’s fixed investment tool supports multi-asset plans, allowing users to create diversified portfolios easily.

Monitoring and Adjusting Your Investment Over Time

A fixed investment strategy doesn't mean setting it and forgetting it. Regular reviews are necessary to ensure your investment continues to align with your financial objectives. Key indicators to monitor include:

• Portfolio performance relative to market benchmarks
• Changes in the underlying fundamentals of invested assets
• Adjustments to your personal risk tolerance or investment horizon

If certain assets underperform consistently or if new opportunities arise, you may choose to rebalance your portfolio. On Binance, adjusting your fixed investment plan is straightforward — simply edit the allocation percentages or change the list of selected cryptocurrencies.

Additionally, reviewing your investment during major market events, such as halvings or regulatory announcements, can help you stay ahead of potential disruptions.

Frequently Asked Questions

Q: Can I change my fixed investment amount after setting it up?

Yes, Binance allows users to modify both the investment amount and frequency at any time. Simply go to the 'Fixed Investment' section and select the plan you wish to adjust.

Q: Is there a minimum investment requirement for the fixed investment feature?

Binance does not enforce a strict minimum; however, some cryptocurrencies may require a small initial amount to participate in the plan. Always check the specific requirements for the asset you're interested in.

Q: What happens if the price of the cryptocurrency drops significantly during my fixed investment period?

This is part of the DCA strategy. By investing fixed amounts regularly, you buy more units when prices are low and fewer when they're high, which can lower the average cost over time.

Q: Can I use a credit card for recurring fixed investments on Binance?

Currently, Binance supports automatic deductions via bank transfers and stablecoin balances. Credit card usage for recurring plans may vary depending on your region and local regulations.