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THE CRYPTONER
 Table of Contents

2  Table of Contents
3  Introduction
4  How much cryptocurrency should you buy?
4  High-risk profile
5  Moderate-risk profile
5  Low-risk profile
6  Which cryptocurrencies should you focus on
7  Bitcoin
7  Brief History of Bitcoin
7  Why Bitcoin is an Ideal Investment
8  Ethereum
8  Brief History of Ethereum
8  Why is Ethereum an Ideal Investment?
10  Crypto investing strategy: When to buy?
10  Lump sum investing
11  Dollar-cost averaging (DCA)
12  Dollar Cost Average in a Bear Market
14  Crypto investing strategy: When to sell?
14  Temporary HODL
15  2x All Time High (ATH)
16  Sell Some, Hold Some
16  So Is It Possible to 10x Your Money Within
The Next 10 Years?
17  Where Will Crypto Go Next?
18  Crypto Investing Tips
18  Invest Money You Can Afford to Lose
18  Your Peace of Mind Matters
18  Do Not Follow the Hype
19  Make Sure You Have a Cold Wallet
19  Create a Plan and Stick to It
THE CRYPTONER

20  Crypto tools & resources

21  Final words

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 Introduction

Hello there!

You probably found this guide from my website or maybe

a friend passed it along to you. Either way, I’m happy you’re
here!

But first, a quick introduction about myself…

My name is Rayner Teo and I’m the founder of The Cryptoner.

The reason why I wrote this guide is that the crypto world is
filled with hype, gimmicks, and scams.

For example, how often have you seen videos with titles like
this: “This coin will 100x within the next 3 months.” You get
my point.

That’s why in this crypto investing guide, you get none of that.

Instead, you’ll discover…

•  How much cryptocurrency you should buy based on your
risk profile
•  Which cryptocurrencies you should focus on and why
•  Crypto investment strategies that work so you know when
exactly to buy and sell
•  Crypto investing tips
•  Useful tools & resources to help you navigate the world of
cryptocurrencies

Sounds good?
THE CRYPTONER

Then read on…

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 How Much
Cryptocurrency
Should You Buy?

The first thing you need to decide as an investor is how much

money you should allocate to assets. Typically, how much
money you invest is often determined by your net worth. This
is a measure of your wealth and is calculated as: Total Assets
minus Liabilities.

An asset is an investment worth money. It could be real es-

tate, stock, the money in your savings and checking accounts,
art, or anything that can be valued and sold for money.

Liabilities refer to debts, including personal loans, car loans,

mortgages, credit card payments, and so on. Also, liabilities
include mandatory financial obligations like taxes, social
security deductions, IRA payments, etc.

So, let’s say, for example, the total value of your assets is $1
million, right? Let’s also imagine that your debts and tax ob-
ligations are at $500,000. In this scenario, your net worth will
be $500,000.

How do you decide how to allocate money for crypto invest-

ments using net worth as a measure? Here is a breakdown:
THE CRYPTONER

HIGH-RISK PROFILE
If you have a strong risk appetite, you can invest up to 20% of
your net worth into crypto. So, if your net worth, as explained

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 in the example above, is $500,000, your allocation for crypto
will be $100,000.

Keep in mind that this is a very high-risk approach since you

would be putting a lot of money on the line. If something
went wrong, you could lose 20% of your net worth, which is
quite frankly huge!

MODERATE-RISK PROFILE
For those of you who don’t want to put too much money on
the line, you could consider a moderate-risk approach. Here,
you would only invest about 10% of your net worth. So, if your
net worth is around $500,000, then you will allocate up to
$50,000 in crypto.

LOW-RISK PROFILE
As for the low-risk approach, allocate 5% of your net worth.
This means that if your net worth is $500,000, the maximum
amount of money you should allocate to crypto investment
will be $25,000.

Please also note that low risk does not mean there is a small-
er risk of losing money. It simply means that if, for some rea-
son, the investment didn’t go according to plan, you would
lose a smaller amount of money that wouldn’t affect you as
much financially.

Also, as a golden rule, never go all in. Cryptocurrencies are

some of the most volatile assets in the world. They can drop
to zero in a very short time. The last thing you need is to have
all your money tied up in crypto.

Besides, success as an investor comes down to diversifica-

tion. You don't put all your eggs in one basket. Based on our
discussion above, you should never invest more than 20% of
your net worth in a single asset class, including crypto.
THE CRYPTONER

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 Which
Cryptocurrencies
Should You Focus On

There are about 1000+ cryptocurrencies in the world right

now. Each of these projects has its own specific structure
and merits. However, not all cryptocurrencies are considered
investable assets.

Generally, the crypto world is divided into two major cate-

gories. The first category includes the main coins, which are
Bitcoin (BTC) and Ethereum (ETH). There is, however, another
huge category of coins known as Altcoins. This refers to all
the other cryptocurrencies that are not Bitcoin or Ethereum.

While BTC and ETH are considered relatively steady options

for people who intend to unlock long-term value in crypto,
altcoins, on the other hand, are typically high-risk, high-re-
ward options.

In fact, over the past few years, altcoins have been the big-
gest drivers of growth in the crypto market. These are coins
that will typically grow 10x, 20x, and so on. However, as noted
above, they are highly risky and probably not ideal for begin-
ners.
THE CRYPTONER

So, what cryptocurrencies should you buy? Well, Ethereum

and Bitcoin should be top of your list, and here is a break-
down of both and what they are about.

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 BITCOIN
Bitcoin was the first cryptocurrency to be created back in
2009. Although the initial goal was to use Bitcoin as a digi-
tal currency that facilitates online transactions, it soon grew
to become a highly popular investable asset. Today, Bitcoin
is the most traded cryptocurrency in the world. It is also
the biggest in terms of market capitalization. In fact, BTC
accounts for more than 40% of the total market cap in the
crypto industry.

BRIEF HISTORY OF BITCOIN

As noted above, Bitcoin was founded in 2009 by Satoshi Na-
kamoto, an unknown cryptographer whose identity remains
a mystery even today. The coin was launched as a Peer-to-
Peer Electronic Cash System.

Although Bitcoin was more or less reserved for the cryp-

tographic community and early enthusiasts of digital curren-
cy during its initial years, it received major attention in 2010
when the first commercial BTC transaction was conducted.
The transaction was a pizza sale for 10,000 BTC.

After that, Bitcoin emerged from the shadows and started to

earn a huge number of followers. In 2012, the Bitcoin Founda-
tion was created. The foundation featured a group of Bitcoin
enthusiasts who would promote and facilitate the uptake of
the coin.

BTC would see one of its biggest years between 2013 and
2014 when the price rose from a meagre $13.50 at the time
to hit $770 in just 12 months. The coin would later surge even
further, culminating in an all-time high of $69, 000 in No-
vember 2021.

WHY BITCOIN IS AN IDEAL INVESTMENT

There are several reasons why Bitcoin is the most preferred
cryptocurrency. First, it already has a lot of pedigree in the
market. People have been buying and trading BTC for more
than a decade.
THE CRYPTONER

Also, the total supply of Bitcoin is fixed. In other words, the

maximum circulation for Bitcoin is capped at 21 million coins.
Once this supply is hit, there will be no other way to generate
new Bitcoins. This could have huge positive implications for

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 the price. As of now, nearly 19 million Bitcoins have already
been released. Only about 2 million are left before the cap is
reached.

It is also worth noting that Bitcoin has the best liquidity. This
means that if you decide to convert it into cash, it will be
much easier and much faster. BTC has also been described
as too big to fail, and while the coin has had its fair share of
ups and downs, it has managed to remain afloat for more
than ten years now.

ETHEREUM
Ethereum (ETH) has often been described as the main com-
petitor for Bitcoin. However, they are two widely different
crypto projects. Ethereum has, over the years, expanded its
utility beyond normal digital transactions. The coin is ranked
second in terms of market cap. ETH also accounts for about
20% of the total value of the entire crypto market.

BRIEF HISTORY OF ETHEREUM

The idea of the Ethereum blockchain was conceived by
Vitalik Buterin in 2013, about four years after the launch
of Bitcoin. Buterin would later be joined by several other
founders, and eventually, they started building the Ethereum
blockchain in 2014.

Buterin's vision was to create a network that could accom-

modate decentralized applications, something that he
believed would be able to enhance the utility of blockchain
technology far beyond Bitcoin. Ultimately, Ethereum would
become the biggest Decentralized App platform in the
world.

Over the last decade, Ethereum has undergone several major

changes, including a major shift from energy-intensive and
expensive proof-of-work validation mechanisms to a more
affordable proof-of-stake. The project has also had its ups
and downs, but its cryptocurrency, Ether or ETH, has become
a multibillion-dollar asset.
THE CRYPTONER

WHY IS ETHEREUM AN IDEAL INVESTMENT?

Just like Bitcoin, Ethereum has demonstrated that it has
immense pedigree in the market. Although it has undergone
many critical changes and faced some major setbacks in its

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 journey, Ethereum has managed to become the most pow-
erful driver of decentralized applications.

The platform has made it easier for innovators to leverage the

power of decentralized networks to create innovative finan-
cial, gaming, and so many other applications. Also, there is
plenty of ETH liquidity in the market. If you want to buy or sell
these coins, someone will always be there to deal with you.

You should note that Ethereum is facing increasingly fierce

competition from other platforms that can also facilitate the
development of decentralized applications. Despite this, it
remains the most dominant force in this area.
THE CRYPTONER

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 Crypto Investing
Strategy:
When To Buy?

Different investors, of course, have different investment strat-

egies. However, there are some tried and tested methods
that you could consider. Remember - investment strategies
vary depending on your investment goals.

For example, if your goal is to buy crypto, hold it, and ulti-
mately unlock value in the long run, you will take a com-
pletely different approach compared to a short-term price
speculator.

So, if you are thinking of buying crypto, here are some strate-
gies that you can use:

LUMP SUM INVESTING

As the name suggests, lump sum investing involves putting
all your money into an asset at the same time. Let's imag-
ine you are taking a moderate risk strategy when allocating
money for crypto investments.

Assuming that your net worth is $500,000, it means you

could spend $50,000 in crypto, an equivalent of 10% of your
net worth. In a lump sum investing approach, you take the
THE CRYPTONER

whole $50k and go all in on a single asset. The advantage of

this could be that, if you buy when the price of crypto is really
low, you can make huge returns when prices recover.

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 But there is, of course, a risk that you are buying these assets
at their very peak. The price might then start to slide, and
eventually, you could find yourself stuck in a long-term draw-
down.

Pros
•  Offers the possibility of making decent returns if the mar-
ket experiences a strong upward trend
•  Perfect for people who don’t have the time for active port-
folio management

Cons
•  Substantial risk of long-term drawdown if the market
trends downward after the investment is made

DOLLAR-COST AVERAGING (DCA)

Dollar Cost Averaging, or DCA, is an investment strategy
where you invest a fixed amount of money in an asset over a
specific period of time, regardless of the asset price. It's more
systematic compared to lump sum investing. Let’s explore
this strategy further using an example.

Imagine again you have decided to take a moderate-risk in-

vestment strategy where you allocate about 10% of your net
worth to crypto. If your net worth is $500,000, it means you
will have $50,000 to invest.

However, instead of just taking all that $50k and putting it into
a single crypto all at once, you can invest in a fixed amount
over a given period. For example, $5,000 monthly for the next
ten months. It doesn't matter how much the asset is selling
at any particular moment. The goal is to ensure that every
month you buy crypto worth $5,000, for ten months in a row.

One thing that makes dollar cost averaging such an effective

tool is that although you buy less crypto when the prices are
high, you get more crypto when the prices are low. For exam-
ple, let's say in your first month of DCA, the price of Ethere-
um (ETH) is $1000 and that of Bitcoin (BTC) is $20,000.
THE CRYPTONER

Assuming that you are allocating 50% of your capital equally

to each of these two assets, it would mean that you invest
$2500 in ETH and the other $2500 in BTC. Based on the

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 prices above, your $5000 in the first month gets you 2.5 ETH
coins and 0.125 BTC.

However, assume that in the second month of DCA, the price

of ETH drops to $500, and that of BTC drops to $10,000. With
the same $5000 allocated each month, you will be able to
buy 5 ETH coins and 0.25 BTC.

So, with the same fixed monthly investment, you get more
ETH and BTC coins than you did the month before.

Now, let’s also consider a scenario where prices increase over

time. Let’s say in the next month, the price of ETH increases to
$1500, and that of BTC rises to $25,000. With the same $5000
each month, you can now buy 1.67 ETH coins and 0.2 BTC.

Compared to the previous month, when prices were lower,

you are buying fewer coins with the same fixed investment.
However, you should remember the value of your existing
investments would also be increasing due to the price rise.

The DCA strategy helps you maintain discipline, as even with

increasing prices you are still investing a fixed amount, which
helps manage risk.

You can DCA for more than 10 months and adjust your
monthly allocation accordingly. Ultimately, you alone decide
the duration you want to DCA and the amount of money you
want to speculate with.

Pros
•  Helps you to preserve capital in case of an unexpected
market crash
•  Reduces the risk of buying at the peak
•  Removes the need to try and perfectly time the market

Cons
•  Smaller position size if the market consistently rises com-
pared to lump sum investing
•  Requires commitment to consistent investing, no matter
THE CRYPTONER

what the market conditions are

DOLLAR COST AVERAGE IN A BEAR MARKET

Conditions in the market will often determine the approach
you take in Dollar Cost Averaging. Typically, there are two

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 main market conditions in crypto. These are the bull market,
where the price of crypto assets is on a strong upward trend,
and the bear market, where prices are trending downwards.

So, can you modify the Dollar Cost Average to take advan-
tage of current market conditions?

Well, let's examine it within a bear market. When executing a

DCA strategy in a bear market, you could choose to allocate
more capital when the prices are low (reducing your average
price).

For example, let’s say you initially decide to invest $5000

a month. However, for one reason or another, the market
starts crashing. Instead of sticking to your original $5000, you
can increase the monthly allocation to $7500 until the asset
snaps back out of the bear market.

But how do you know a cryptocurrency has entered bear

market territory? Well, while there are many indicators to
check but in most cases, a coin will be considered bearish
if it falls by more than 50% from its highest price. Although
this may seem unlikely, it happens quite often in the world of
cryptocurrencies.

A coin is considered out of a bear market once it regains at

least 50% from its lowest price. Following this movement, it’s
then a matter of returning to your normal $5,000-a-month
allocation.

There’s no fixed rule as to how much more you should buy

during a bear market. It’s something you must decide ahead
of time to help manage your risk and more importantly, still
be able to sleep well at night!

Pros
•  Allows you to acquire more assets at low prices, increasing
potential returns when the market recovers
•  Helps you to manage risk better when prices are declining
THE CRYPTONER

Cons
•  Demands discipline to invest regularly, even during bad
market conditions
•  Requires tight risk management to avoid depleting funds
too early in a bear market

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 Crypto Investing
Strategy:
When To Sell?

Now that we have explained some of the key strategies you

can use to buy crypto within the proper timing, the next step
is to see some of the strategies you can explore if you want
to sell.

This is very important because of just how volatile crypto can

be. Knowing the right time to sell can help you maximize
your returns before a major correction happens. Here are
some of the main selling strategies you can consider:

TEMPORARY HODL
HODL is simply an acronym that stands for "Hold on For
Dear Life." This is a strategy where crypto investors hold onto
assets for as long as possible. The idea is based on the notion
that the long-term value of crypto is much more important
than short-term volatility.

Just think about it this way. In 2011, the price of one bitcoin
was about $3.5. If you had bought BTC at the time for $1000
and HODL for ten years, you would now be a millionaire.

However, you don’t also want to be holding a coin forever or

THE CRYPTONER

for a long time. You must keep the presence of mind to know
when conditions in the market have changed, and under-
stand when the right time to cash out is.

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 For example, let’s say you had initially invested in BTC and
ETH, two of the biggest crypto holdings right now. But as you
HODL for a few weeks or months, it becomes clear that ETH
is longer doing as well as it used to.

It reaches a point where it is no longer among the top two

crypto holdings. What you can do here is to sell your ETH
holdings and then replace them partially with the coin that
has taken its place in the overall crypto rankings.

Pros
•  HODLing can also offer additional opportunities for earning
yields when you lock your crypto for a set period
•  Possible to significantly multiply your investment

Cons
•  Requires high mental fortitude, especially during a bear
market

2X ALL TIME HIGH (ATH)

Another strategy you can use to cash out your crypto invest-
ment is the 2x ATH strategy. In other words, if the crypto has
already doubled its all-time high, sell and take advantage of
the rally.

Let’s say, for example, you had invested in BTC at $20,000

per coin and the current all-time high is $70,000. Then after
a few months, BTC shoots up above this ATH. You could still
HODL the coins until they rally toward $140,000. This would
be 2x the all-time high of $70,000.

Keep in mind that when cryptocurrencies hit ATHs, they

could retreat in a short-term correction shortly after. Do not
let this short-term volatility spook you.

Pros
•  Easier on your mental well-being as you have a pre-deter-
mined exit ahead of time

Cons
THE CRYPTONER

•  Potential missed gains if the market continues to rally be-

yond the exit point

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 SELL SOME, HOLD SOME
This concept is based on the idea of cashing out a portion
of your assets when your target is reached but still holding
some just in case the market continues higher. Let’s say
for example you were using the 2x ATH strategy explained
above. Naturally, you would be obliged to sell your crypto
once it hits 2x its previous all-time High.

However, instead of selling all the crypto assets in your

portfolio, you could consider selling just 50% and holding the
other 50%. This means you would get to book your profits on
50% of your portfolio and still be in a position to take advan-
tage of further gains if the market continued higher.

Pros
•  Enables you to take some profits off the table and still have
assets left over in case the market continues upwards
•  Provides you with a less mentally taxing approach to man-
aging your investments

Cons
•  Potential gains may not be as substantial compared to a
long-term HODL strategy

SO IS IT POSSIBLE TO 10X YOUR MONEY WITHIN THE

NEXT 10 YEARS?
Bitcoin, and by extension, all cryptocurrencies, is highly vola-
tile, with wild price swings being extremely common. Nev-
ertheless, the general long-term trend for Bitcoin remains
pointing upward.

Over the past ten years, Bitcoin has been on a solid run de-
spite several price pullbacks on the way. So, with that said, is it
possible to 10x your investment with crypto in 10 years? Well,
let’s have a look at the price history to help serve as a guide.

January 2009: $0

January 2013: $14

THE CRYPTONER

January 2017: $1,013

January 2021: $34,000

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 When Bitcoin launched for the first time in 2009 it was worth
virtually nothing. However, by 2013, BTC was trading at $14.
But things didn’t end there. BTC jumped from its modest
price of $14 in 2013 to around $1013 by 2017. In just those four
years, the coin gained nearly 70x in value.

The strong uptrend continued again in the next four years.

In 2021, BTC was trading at around $34,000 (another 34x
increase). Since its inception in 2009, BTC has gone from $0
to hit an all-time high of around $68,000 (as of this writing).
There is no other asset class that has delivered such incredi-
ble returns.

WHERE WILL CRYPTO GO NEXT?

So, can Bitcoin keep up this momentum, or has it run out of
steam? In general, crypto has become too big to ignore, and
there could still be plenty of value to unlock in the future. As
noted above, even with the short-term volatility, the general
trend for crypto has been strongly bullish. It is, therefore, not
crazy to think that BTC could well maintain its upward trajec-
tory in the coming decade.

The key for any investor is to buy in a bear market. When

everyone is panicking and offloading their crypto, prices tend
to crash. This gives you the perfect opportunity to buy BTC
and other cryptocurrencies at a significant discount. Buying
low during bear market conditions also gives you a potential-
ly insane upside on the way up.

For example, let's say you decide to buy BTC during a bull
run at $1000. If the bull run continues to $6000, that’s a 500%
return (a gain of 5x). However, imagine buying low in a bear
market where prices have crashed. You could, for example,
get in at $500 and if you sell at $6000, that’s an 1100% return
(a gain of 11x). Can you see the profit potential when buying
in a bear market?
THE CRYPTONER

17
 Crypto Investing Tips

Let's wrap up this crypto investing guide by highlighting

some tips everyone should follow. These tips will help you
navigate the highly volatile crypto market while still keeping
your sanity. Here they are:

INVEST MONEY YOU CAN AFFORD TO LOSE

The number one rule in crypto is to only invest money that
you can afford to lose. This means that even if your invest-
ments were to go haywire and crash to zero, the impact on
your finances would be very small.

Do not sell your house or use all your savings to invest in

crypto. While the cryptocurrency industry has churned out
so many millionaires over the years, please be warned that
some of these assets can crash massively with very little
warning. Do not tie all your money up in them.

YOUR PEACE OF MIND MATTERS

Secondly, always make sure you invest in a manner that
allows you to have peace of mind regardless of conditions
in the market. It's not worth losing sleep over investments.
If you are feeling too anxious about the crypto assets you've
purchased all the time, then it's not worth it.

A good rule here is to invest with money you can afford to

lose, and go on with your day normally.

DO NOT FOLLOW THE HYPE

Another crucial rule to remember when investing in cryp-
tocurrency is this. When something seems too good to be
THE CRYPTONER

true, it probably is. You see, as an investor, you will come

across so many crypto projects that promise insane re-
turns.

18
 You will even see evidence of people making 10x or 20x their
initial capital. While some of these projects may be genuine,
most tend to be pump-and-dump schemes, and they typi-
cally come crashing down massively.

So, do not follow the hype. Don't let your fear of missing out
cloud your due diligence. Always look at the fundamentals of
a project and see if they are worth what they are saying.

MAKE SURE YOU HAVE A COLD WALLET

Most novice crypto investors will typically store their cryp-
tocurrencies in exchange-provided wallets or other digital
wallets. While most of these wallets are secure, they are still
vulnerable to cyber-attacks and hacks.

There have been many cases where hackers have managed

to gain access to digital wallets and drained all the crypto
from them.

To be safe, make sure you store your crypto in a cold wallet,

especially if you intend to hold the coins for a long time. Cold
wallets are physical, and they are not connected to any net-
work. They are 100% safe from hackers.

To learn more about how to store your crypto in cold wallets,

check out this video.

CREATE A PLAN AND STICK TO IT

Finally, before you jump into crypto investments, always
make sure you have created a robust plan. Decide how you
will allocate money, which assets you will buy, and the overall
strategy you will use to unlock value in the short and long
term.

Now, there will come a time when you may feel like things
are not going to plan. Do not panic. The crypto industry is full
of ups and downs. You can't give up on the first hurdle. Stick
to your plan, and eventually, things will start to fall into place.
THE CRYPTONER

19
 Crypto
Tools & Resources

Here are some useful tools and resources that will help you in
your crypto journey.

Of course, there are more out there. But I don’t want to

overwhelm you. So, these are the ones I use regularly that I
believe you’ll find useful. They are broken down into 3 cate-
gories…

Crypto research
Token Terminal
DeFiLlama
Messari

Crypto news
Cointelegraph
Decrypt
Blockworks

Crypto market cap

Coinmarketcap
THE CRYPTONER

20
 Final Words

You’ve made it to the end! I hope this investment guide gives

you a framework to kickstart your crypto investing journey.

If you want more stuff like this, then go to thecryptoner.com.

You’ll get to learn more about cryptocurrencies without any

hype or fluff.

The best part? It’s explained simply so you don’t feel over-
whelmed or confused.

I’ll see you there!

Cheers,
The Cryptoner
THE CRYPTONER

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