加密貨幣投資多元化的重要性

「如果你能找出六家出色的企業，這就是你所需要的多元化。而且你會賺很多錢。 - 華倫‧巴菲特

Diversification is a key concept in investing, and it applies just as well to cryptocurrencies as it does to any other asset class. In fact, diversification is arguably even more important in crypto, given the high volatility and risk involved.

多元化是投資的關鍵概念，它不僅適用於加密貨幣，也適用於任何其他資產類別。事實上，考慮到所涉及的高波動性和風險，多元化在加密貨幣領域可以說更為重要。

By spreading your investments across a range of different cryptocurrencies, you can reduce the overall impact of volatility and hedge against the risk of any single cryptocurrency failing. At the same time, diversification allows you to capture potential growth opportunities early.

透過將投資分散到一系列不同的加密貨幣中，您可以減少波動性的整體影響，並對沖任何單一加密貨幣失敗的風險。同時，多元化可以讓您儘早捕捉潛在的成長機會。

As the legendary investor Ray Dalio puts it, “Diversifying well is the most important thing you need to do in order to invest well.”

正如傳奇投資者雷·達利奧 (Ray Dalio) 所說，“為了進行良好的投資，良好的多元化是你需要做的最重要的事情。”

Criteria for Selecting Cryptocurrencies

選擇加密貨幣的標準

Successful diversification hinges on your ability to pick strong, reliable stocks across different sectors. Similarly, picking the best cryptos requires well-planned selection criteria.

成功的多元化取決於您在不同行業中挑選強勁、可靠股票的能力。同樣，選擇最好的加密貨幣需要精心策劃的選擇標準。

While ranking cryptocurrencies for our diversified portfolio, we focus on the following aspects:

在對我們多元化投資組合的加密貨幣進行排名時，我們將重點放在以下幾個方面：

Daily Active Users (DAUs)

每日活躍用戶 (DAU)

This is an important metric that measures the average number of daily users for a particular token or blockchain project. High DAU is usually seen as an indicator of a strong user adoption network effect.

這是衡量特定代幣或區塊鏈項目的平均每日用戶數量的重要指標。高 DAU 通常被視為強大的用戶採用網路效應的指標。

When a platform or token displays a high DAU, it suggests that the platform is considered useful and has value within the crypto ecosystem. Examples of high DAU projects include Tron (1.86 million) and Polygon (1.39 million).

當一個平台或代幣顯示出較高的 DAU 時，表示該平台被認為是有用的並且在加密生態系統中具有價值。高 DAU 項目的例子包括 Tron（186 萬）和 Polygon（139 萬）。

Fees and Revenues

費用和收入

Users often have to pay transaction fees for trading or sending crypto across a blockchain network. The quantum of fees can fluctuate depending on factors like network congestion and transaction size. Projects earning the highest fees usually experience a greater demand for their network services.

用戶通常必須為透過區塊鏈網路進行交易或發送加密貨幣支付交易費用。費用金額可能會根據網路擁塞和交易規模等因素而波動。賺取最高費用的項目通常對其網路服務有更大的需求。

Meanwhile, the revenues of a blockchain project include all the sources of income generated by the network. This can include any transaction fees levied on users, and fees charged on activities like staking, governance token sales, and other services.

同時，區塊鏈項目的收入包括網路產生的所有收入來源。這可以包括向用戶徵收的任何交易費用，以及對質押、治理代幣銷售和其他服務等活動收取的費用。

Blockchain projects earning high revenues can contribute towards the long-term economic sustainability and resilience of a project. However, this is not universal as certain highly decentralized blockchains like Bitcoin do not have any revenues and remain highly successful.

賺取高收入的區塊鏈項目可以為專案的長期經濟可持續性和彈性做出貢獻。然而，這並不普遍，因為像比特幣這樣的某些高度去中心化的區塊鏈沒有任何收入，但仍然非常成功。

Market Capitalization

市值

The market cap represents the total value of a cryptocurrency in circulation. Multiplying the total available supply of tokens by the current price will give you the current market cap of a blockchain project.

市值代表流通中的加密貨幣的總價值。將代幣的總可用供應量乘以當前價格即可得出區塊鏈項目的當前市值。

A higher market can indicate several things – greater trading activity, higher liquidity, potentially lower price volatility, a bigger community of users and developers, a perception of greater stability, and overall higher investor confidence.

更高的市場可以表明一些事情——交易活動更大、流動性更高、價格波動性可能更低、用戶和開發者社區更大、穩定性更高、投資者整體信心更高。

Within the broader crypto ecosystem, projects like Bitcoin and Ethereum with the highest market caps are seen as the dominant players and relatively safer havens for long-term holding.

在更廣泛的加密生態系統中，比特幣和以太坊等市值最高的項目被視為主導參與者和相對更安全的長期持有避風港。

Core Components of a Balanced Crypto Portfolio

平衡加密貨幣投資組合的核心組成部分

After extensive research and careful consideration based on our selection criteria, we zeroed in on the following tokens for a balanced crypto portfolio. The tokens are arranged in a descending order of magnitude, based on our recommended percentage share:

根據我們的選擇標準，經過廣泛的研究和仔細的考慮，我們將注意力集中在以下代幣上，以實現平衡的加密貨幣投資組合。根據我們建議的百分比份額，代幣按數量級降序排列：

Bitcoin (BTC) - The Foundation of Crypto Portfolios (40%)

比特幣 (BTC) - 加密投資組合的基礎 (40%)

Core Fundamentals

核心基礎知識

Bitcoin is the pioneer token that set off the cryptocurrency revolution. As the original blockchain, it enjoys unparalleled popularity and investor confidence. Thanks to excellent network security and decentralization, bitcoin is often seen as the gold standard of digital assets.

比特幣是掀起加密貨幣革命的先鋒代幣。作為最初的區塊鏈，它享有無與倫比的知名度和投資者信心。由於出色的網路安全性和去中心化性，比特幣通常被視為數位資產的黃金標準。

Unlike most other tokens on our portfolio, bitcoin supply is limited to 21 million coins. This makes it a highly deflationary asset whose value has the potential to go up as demand grows. The ability to act as a hedge against inflation has made bitcoin a popular asset among institutional investors in particular.

與我們投資組合中的大多數其他代幣不同，比特幣的供應量僅限於 2,100 萬枚。這使其成為一種高度通貨緊縮的資產，其價值有可能隨著需求的成長而上漲。對沖通貨膨脹的能力使比特幣成為特別受機構投資者歡迎的資產。

Despite wider market volatility, bitcoin has consistently demonstrated its resilience over a decade. The widespread institutional adoption, combined with its large and active user base and excellent liquidity, make bitcoin an ideal foundation for any diversified cryptocurrency portfolio.

儘管市場波動較大，但比特幣十多年來始終表現出其韌性。廣泛的機構採用，加上其龐大而活躍的用戶群和出色的流動性，使比特幣成為任何多元化加密貨幣投資組合的理想基礎。

To learn more about bitcoin, check out our other resources:

要了解有關比特幣的更多信息，請查看我們的其他資源：

What is Bitcoin? A Simple 7-Step Guide for Beginners

什麼是比特幣？適合初學者的簡單 7 步驟指南

5 Key Bitcoin Tips, Tricks, and Hacks You Need to Know

您需要了解的 5 個比特幣關鍵提示、技巧和技巧

The Complete Guide to Bitcoin Mining in 2024

2024 年比特幣挖礦完整指南

Ethereum (ETH) - The Hub of Decentralization (30%)

以太幣 (ETH) - 去中心化中心 (30%)

Core Fundamentals

核心基礎知識

If bitcoin is the crypto equivalent of gold, Ethereum is more like aluminum – a plentiful metal that gains value from its versatility and diverse applications. Unlike bitcoin, which was designed primarily to act as a store of value, Ethereum was created to expand the adoption of blockchain technology.

如果比特幣是黃金的加密貨幣，那麼以太坊更像是鋁——一種豐富的金屬，可以從其多功能性和多樣化的應用中獲得價值。與主要作為價值儲存手段的比特幣不同，以太坊的創建是為了擴大區塊鏈技術的採用。

Ethereum is designed to be a flexible platform where developers can build and deploy decentralized applications (dApps) and smart contracts for real-world use cases. Entrepreneurs can even create their own ERC-20 tokens on the Ethereum blockchain.

以太坊被設計為一個靈活的平台，開發人員可以在其中為實際用例建立和部署去中心化應用程式（dApp）和智慧合約。創業家甚至可以在以太坊區塊鏈上創建自己的 ERC-20 代幣。

The blockchain is also the central hub for developer activity in crypto, spread across diverse sectors like finance, gaming, and logistics. The ability to provide a broader exposure to the blockchain economy, combined with a potential for wider long-term expansion, makes Ethereum a strategic addition to any crypto portfolio.

區塊鏈也是加密貨幣開發者活動的中心樞紐，分佈在金融、遊戲和物流等不同領域。以太坊能夠提供更廣泛的區塊鏈經濟風險，加上更廣泛的長期擴張潛力，使以太坊成為任何加密貨幣投資組合的策略補充。

To learn more about Ethereum, here are links to additional resources:

要了解有關以太坊的更多信息，以下是其他資源的連結：

What is Ethereum? A Quick Guide for Beginners

什麼是以太坊？初學者快速指南

5 Ethereum Tips,

5 個以太坊技巧，