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⚠️ Important: Never invest more than you can afford to lose. This recommendation assumes you have no high-interest debt and a stable income.
Based on your inputs, here's how your risk tolerance compares:
Suitable for risk-averse investors. Recommended crypto allocation: 1-5% of portfolio. Focus on Bitcoin and Ethereum only.
Balanced approach. Recommended crypto allocation: 5-10% of portfolio. Can include top 10 cryptocurrencies.
Higher risk tolerance. Crypto allocation: 10-20% of portfolio. May include smaller altcoins with higher volatility.
Invest your entire allocation at once
Invest fixed amounts regularly over time
Before investing in crypto, ensure you have 3-6 months of expenses saved in a traditional savings account. Crypto is volatile and shouldn't be your emergency fund.
Pay off credit card debt (typically 15-25% APR) before investing. The guaranteed "return" from avoiding interest usually exceeds potential crypto gains.
Crypto should be part of a diversified portfolio including stocks, bonds, and real estate. Don't put all your investment capital into crypto.
Crypto is best suited for long-term investment (3+ years). Short-term volatility can be extreme, but historical long-term trends have been positive.
Begin with 1-5% of your portfolio in crypto. You can always increase allocation as you gain experience and confidence.
Spend time learning about blockchain, different cryptocurrencies, and security best practices before making large investments.
| Investor Type | Age Range | Crypto % | Strategy |
|---|---|---|---|
| Conservative Saver | 50+ | 0-3% | BTC only, buy and hold |
| Balanced Investor | 35-50 | 5-10% | BTC/ETH mix, monthly DCA |
| Growth Focused | 25-35 | 10-20% | Top 10 cryptos, rebalance quarterly |
| Aggressive Trader | 18-25 | 20-30% | Active trading, includes altcoins |
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Most financial advisors recommend 5-10% of your investment portfolio in crypto for moderate risk tolerance. Conservative investors might prefer 1-5%, while aggressive investors sometimes go up to 20%. Never invest more than you can afford to lose.
For beginners, dollar-cost averaging (DCA) is often recommended as it reduces timing risk. Invest a fixed amount weekly or monthly rather than all at once. Our calculator shows both strategies.
After covering essentials and emergency savings, consider allocating 5-10% of disposable income to investments, with crypto being a portion of that based on your risk tolerance.
Yes, $1,000 is more than enough to start. Many exchanges allow purchases as low as $10. Starting small allows you to learn without significant risk. Focus on major cryptocurrencies like Bitcoin and Ethereum initially.
High-interest debt (credit cards, personal loans) should be paid off before investing in volatile assets like crypto. Low-interest debt (mortgage, student loans) is different - you might invest while paying these down.