加密货币投资多元化的重要性

“如果你能找出六家出色的企业，这就是你所需要的多元化。而且你会赚很多钱。” - 沃伦·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.

多元化是投资的一个关键概念，它不仅适用于加密货币，也适用于任何其他资产类别。事实上，考虑到所涉及的高波动性和风险，多元化在加密货币领域可以说更为重要。

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.

通过将投资分散到一系列不同的加密货币中，您可以减少波动性的总体影响，并对冲任何单一加密货币失败的风险。同时，多元化可以让您尽早捕捉潜在的增长机会。

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

正如传奇投资者雷·达利奥 (Ray Dalio) 所说，“为了进行良好的投资，良好的多元化是你需要做的最重要的事情。”

Criteria for Selecting Cryptocurrencies

选择加密货币的标准

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

成功的多元化取决于您在不同行业中挑选强劲、可靠股票的能力。同样，选择最好的加密货币需要精心策划的选择标准。

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

在对我们多元化投资组合的加密货币进行排名时，我们重点关注以下几个方面：

Daily Active Users (DAUs)

每日活跃用户 (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.

这是衡量特定代币或区块链项目的平均每日用户数量的重要指标。高 DAU 通常被视为强大的用户采用网络效应的指标。

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).

当一个平台或代币显示出较高的 DAU 时，表明该平台被认为是有用的并且在加密生态系统中具有价值。高 DAU 项目的例子包括 Tron（186 万）和 Polygon（139 万）。

Fees and Revenues

费用和收入

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.

用户通常必须为通过区块链网络进行交易或发送加密货币支付交易费用。费用金额可能会根据网络拥塞和交易规模等因素而波动。赚取最高费用的项目通常对其网络服务有更大的需求。

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.

同时，区块链项目的收入包括网络产生的所有收入来源。这可以包括向用户征收的任何交易费用，以及对质押、治理代币销售和其他服务等活动收取的费用。

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.

赚取高收入的区块链项目可以为项目的长期经济可持续性和弹性做出贡献。然而，这并不普遍，因为像比特币这样的某些高度去中心化的区块链没有任何收入，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货币的总价值。将代币的总可用供应量乘以当前价格即可得出区块链项目的当前市值。

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.

更高的市场可以表明一些事情——交易活动更大、流动性更高、价格波动性可能更低、用户和开发者社区更大、稳定性更高、投资者整体信心更高。

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.

在更广泛的加密生态系统中，比特币和以太坊等市值最高的项目被视为主导参与者和相对更安全的长期持有避风港。

Core Components of a Balanced Crypto Portfolio

平衡加密货币投资组合的核心组成部分

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:

根据我们的选择标准，经过广泛的研究和仔细的考虑，我们将注意力集中在以下代币上，以实现平衡的加密货币投资组合。根据我们建议的百分比份额，代币按数量级降序排列：

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

比特币 (BTC) - 加密投资组合的基础 (40%)

Core Fundamentals

核心基础知识

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.

比特币是掀起加密货币革命的先锋代币。作为最初的区块链，它享有无与伦比的知名度和投资者信心。由于出色的网络安全性和去中心化性，比特币通常被视为数字资产的黄金标准。

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.

与我们投资组合中的大多数其他代币不同，比特币的供应量仅限于 2100 万枚。这使其成为一种高度通货紧缩的资产，其价值有可能随着需求的增长而上涨。对冲通胀的能力使比特币成为特别受机构投资者欢迎的资产。

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.

尽管市场波动较大，但比特币十多年来始终表现出其韧性。广泛的机构采用，加上其庞大而活跃的用户群和出色的流动性，使比特币成为任何多元化加密货币投资组合的理想基础。

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

要了解有关比特币的更多信息，请查看我们的其他资源：

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

什么是比特币？适合初学者的简单 7 步指南

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

您需要了解的 5 个比特币关键提示、技巧和技巧

The Complete Guide to Bitcoin Mining in 2024

2024 年比特币挖矿完整指南

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

以太坊 (ETH) - 去中心化中心 (30%)

Core Fundamentals

核心基础知识

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.

如果比特币是黄金的加密货币，那么以太坊更像是铝——一种丰富的金属，可以从其多功能性和多样化的应用中获得价值。与主要作为价值储存手段的比特币不同，以太坊的创建是为了扩大区块链技术的采用。

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.

以太坊被设计为一个灵活的平台，开发人员可以在其中为实际用例构建和部署去中心化应用程序（dApp）和智能合约。企业家甚至可以在以太坊区块链上创建自己的 ERC-20 代币。

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.

区块链也是加密货币开发者活动的中心枢纽，分布在金融、游戏和物流等不同领域。以太坊能够提供更广泛的区块链经济风险，加上更广泛的长期扩张潜力，使以太坊成为任何加密货币投资组合的战略补充。

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

要了解有关以太坊的更多信息，以下是其他资源的链接：

What is Ethereum? A Quick Guide for Beginners

什么是以太坊？初学者快速指南

5 Ethereum Tips,

5 个以太坊技巧，