When I first started calculating how to distribute money across different instruments, the temptation was simple: take the instrument I liked the most recently and put half the amount into it. With #bStocks it’s exactly what happened to me at first: I played for a week, saw an interesting TSLAB trend, and almost moved a third of my portfolio there purely on emotions. Luckily, I stopped and sat down to calculate calmly..

I’ll explain what I ended up with and why exactly that way.

Category, not a separate asset

First thing I clearly defined: in my portfolio, bStocks isn’t a replacement for either cryptocurrencies, stablecoins, or classic broker-based stocks. It’s a separate third category—something like a “satellite” position, meaning a small portion of the portfolio reserved for targeted bets on specific companies that I want to keep close at hand and monitor 24/7.

The core part of my portfolio is stablecoins on Earn and a few large cryptocurrencies that I hold for a long time without active involvement. bStocks doesn’t belong there by principle, because the logic of using it is completely different: here I actively follow specific companies, respond to news, and sometimes enter and exit over a few days.

Why exactly 5%, and not more

I figured it like this: if a specific position in TSLAB or any other ticker suddenly gets completely zeroed out due to some extreme scenario—say, a regulatory issue with the custody structure, a sudden collapse of the company itself, anything at all—I need to not feel it at the level of the entire portfolio. Losing five percent completely is unpleasant, but not critical. Losing twenty percent completely—now that’s a blow that changes the whole picture.

Second reason, purely practical: bStocks is a product I’ve been using for less than a year. I trust the mechanism—I’ve tested it with smaller amounts and the result suits me—but I consciously don’t want to give it the weight that I usually assign to instruments I’ve relied on for years.

How exactly I use it within my 5%

I don’t keep everything in a single ticker. I split this part into three to four companies that I monitor continuously and understand the context for: quarterly reports, industry news, and the overall market sentiment toward them. This isn’t diversification for the sake of diversification—it’s a way not to tie the outcome to a single corporate news event.

Second rule I set for myself: I don’t keep a position in bStocks “just like that, long-term, because it will grow someday.” If I don’t have a specific reason, if I’m waiting for an event, tracking the trend, and want to be able to react to something 24/7, then it’s better to keep this money in Flexible Earn than in a tokenized stock without an active purpose.

This product’s place in the overall logic of the portfolio

If you imagine the portfolio as a pyramid, I have a wide base at the bottom—stablecoins and conservative Earn; these are things that simply work in the background. Above that are the main cryptocurrencies that I hold long-term. And bStocks sits somewhere near the top, together with other tools for active, targeted decisions like TradFi. This isn’t about stability—it’s about flexibility and reaction speed, and that’s exactly why I’m willing to keep a little more risk in a small portion of the total amount.

The main lesson I learned over this time: don’t confuse a “cool instrument” with a “large share of the portfolio.” The fact that bStocks provides real convenience—24/7 trading of specific companies without a separate broker account—doesn’t automatically mean it belongs somewhere in the core of the strategy. It belongs where I consciously agree to react quickly and consciously accept losing part of it if I’m wrong. And for now, that boundary is exactly 5%, no more.