After the previous discussions on basic knowledge, risk management, and trading strategies, it's time to consolidate these scattered experiences into a practical system. Today, let's talk about how to build a digital asset management framework that suits you—simply put, dividing your cryptocurrency investments into different tiers based on your risk tolerance and life stage.

**Core Concept: Three-Tier Pyramid Allocation Model**

To achieve a reasonable asset allocation, the key is to diversify your eggs across different baskets. My recommendation is to adopt a three-tier allocation method:

**First Tier: Bedrock (50%-70%)**

This is the foundation of your assets, with the straightforward goal of long-term appreciation. Allocate mainly to top assets like Bitcoin and Ethereum, which have stood the test of the market and have a solid consensus basis. Honestly, this part doesn't require frequent操作. The best approach is to store them in a hardware cold wallet, securely back up the seed phrase, and then just hold them. This is like your "digital gold." Unless there are fundamental issues or your target price is reached, just hold with confidence.

**Second Tier: Income Source (20%-40%)**

This layer offers more flexibility. You can try staking and mining of mainstream coins to earn yields, or allocate stablecoins on reputable platforms for financial management. You can also set aside a small portion to research and deploy your favored public chain projects and infrastructure tracks. Since this part involves strategic participation, it can be partially stored on staking-supported exchanges or hot wallets, adjusting flexibly according to actual needs.

**Third Tier: Testing Ground (no more than 10%)**

This is the part you use for learning and exploration. You can chase new tracks, try new projects, or implement more aggressive trading strategies. Even if you lose, it won't cause serious damage; if you gain, you'll also earn additional learning benefits.

**Why divide it this way?**

Market conditions change, and so do your life stages. The advantage of this three-tier model is that it ensures asset safety and long-term growth while providing enough flexibility to respond to market changes and explore new opportunities. Once the core assets are stable, you'll have the mindset and capital to try more. Conversely, small-scale exploration and profit operations can help you continuously upgrade your understanding and optimize the entire system.

In simple terms, it’s about guaranteed safety, moderate gains, and adventurous exploration. The key to this system is to adjust the proportions based on your actual situation and market cycles, rather than sticking to a fixed allocation.