Assuming no compliance restrictions and clear awareness of this as a high-risk investment, if you have 200,000 RMB (Chinese Yuan) intended for allocation to the 'virtual trading market' (typically referring to the cryptocurrency/digital asset market), a relatively rational and risk-controlled allocation strategy should follow three principles:

Survive first (manage risk) → Participate in trends → Finally pursue returns

Below is a structured configuration plan, along with explanations for each part's logic.

I. Overall Recommendation (providing the conclusion first)

It is not recommended to invest 100% in the virtual market.
Even if you insist on full investment, you should still implement 'layered defense' within virtual assets.

Module proportion/amount/purpose: Stable/defensive 40% (80,000) — withstand large drawdowns of major coins; Major-trend oriented 35% (70,000) — capture industry beta; High-risk aggressive 15% (30,000) — seek excess returns; Tactical/backup funds 10% (20,000) — look for opportunities or add back positions after a stop-loss

2. Detailed breakdown of each part

1️⃣ Stable/defensive (40% | 80,000)

Goal: don’t get wiped out, fewer swings, and be able to withdraw anytime

Suggested allocation

  • USDT / USDC and other mainstream stablecoins

  • Can be paired with low risk:

    • Exchange demand-deposit wealth management

    • On-chain mainstream lending protocols (only do the top ones)

Why so much?

  • In the virtual market, 90% of people don’t lose because they picked the wrong coin—they lose because they go all-in and can’t withstand the drawdown

  • This is you:

    • Bullets for catching the bottom

    • A safety cushion for extreme market conditions

    • Mindset stabilizer

👉 This is the money that helps you survive to the next market cycle

2️⃣ Major-trend oriented (35% | 70,000)

Goal: track the overall market; don’t chase small rumors

Configuration example

  • BTC: 20% (40,000)

  • ETH: 15% (30,000)

Logic

  • BTC = the industry “index”

  • ETH = core of the application ecosystem

  • The two are:

    • Best liquidity

    • Relatively lowest policy/systemic risk

    • In a bear market, also the least likely to go to zero

👉 If you can’t even hold BTC/ETH, you’re not suitable for playing altcoins

3️⃣ High-risk aggressive (15% | 30,000)

Goal: allow yourself to lose; pursue 3–10x

Allocation principles

  • No more than 3–5 assets

  • Single project ≤ 5% of total funds

  • Clearly:

    • Narrative (AI / L2 / DeFi / RWA, etc.)

    • Exit conditions (not “just hold and see”)

Strongly recommended

  • Don’t touch:

    • Air coins

    • Privately placed tokens nearing unlock

    • Small-cap exclusive coins

👉 Mentally treat this as “it could go to zero”

4️⃣ Tactical/backup funds (10% | 20,000)

Use case

  • When the market is panicking, add to your holdings of major coins

  • Rebuild your positions after setting a stop-loss

  • Wait for “certain events” (halving, ETF, upgrades, etc.)

Key points

  • This money won’t be moved lightly

  • Once you move it, you must have a clear reason

3. Very important risk warning (more important than choosing coins)

❌ Things I don’t recommend doing

  • Leverage / futures contracts (the main source of beginner liquidations)

  • All-in on a single coin

  • “Hear it from the group chat” messages, inside info, “teacher-led trading”

  • Keep adding to average down during a decline

✅ Discipline you must have

  • Single-trade loss must not exceed 5% of total funds

  • Profit ≥ 50%—at least recoup the principal

  • Don’t act when emotions are at extremes

4. One blunt truth

In the virtual trading market
Allocation determines whether you can survive; trading determines how much you can earn

This should be the most rational investment, right? 😄