[danlugo92]

Half in cash half in investments

Of the 2nd half: half in regular investments the other half in crypto

of the regular investments half, put it all on an index fund.

Of the crypto half, put half of it in bitcoin and half of it in some crypto index etf

When the next crash happens take half of cash which is now more valuable and invest as above

[bluedevil2k]

Please do not put 25% of your money into crypto, that’ll be a quick way to lose tens of thousands of dollars in a short time. Crypto is risky with wild swings, you shouldn’t put more than 5% into crypto.

[sxg]

As with most investment advice, it totally depends on your risk tolerance, age, and other life circumstances. If you’re 25 with a solid job and some surplus money to invest, a high risk strategy may be worthwhile. The upside can be immense while the downside (losing nearly all your invested money) may not actually be all that life changing.

[bluedevil2k]

This same advice would apply to lottery tickets. It’s the opposite that’s actually true, if you lose 25% of your assets right away, that will compound to become millions of dollars in the future. I’m not saying to invest conservatively, it should be aggressive. But investing in a crypto ETF, where most people agree 90% of the coins will and should go to $0…that’s just reckless.

[xupybd]

Also it's fueling a massive amount of power usage for limited utility.

[franciscop]

No one knows if the next crash is gonna happen tomorrow or in 10 years (HN in fact has been predicting it "soon" for the last 5 years). Or whether it's gonna be a small one (so you might buy too late, already on the way up) or a deep one (so you might buy too early, and then have all the issues of the crash anyway).

In fact if you put half now (not expecting a crash) and hold half (expecting a crash), you are basically bidding against yourself. Diversify in different asset types, not in different horse numbers in a race.

[chickenpotpie]

It’s like playing roulette and betting on every single space

[kelnos]

Putting money into cryptocurrency for any reason other than pure speculation is incredibly foolish.