It depends on the person and their goals for it. In my scenario, I'm looking to have long-term exposure to cryptocurrency for the upside it could have in the next 1-20 years. I also want to be able to trade in and out on a moment's notice to take advantage of short-term price fluctuations. Thus, my breakdown looks something like this:
- A large % of the "crypto" portfolio is held in actually cryptocurrencies that I believe will have long-term value. STEEM, BTC, ETH, BAT, etc.
- A smaller % of this same portfolio is held in USD or USDT which is ready to be converted into crypto when an opportunity arises to make a quick play back/forth
- Another small allocation remains in BTC and is to be traded against ALTS that I like when the time is right. I.e. I just converted some BTC into STEEM recently as the satoshi valuation is low in the short-term