Introduction

“What’s the next Bitcoin?”

This is one of the most common questions people ask when they think about investing in crypto. It’s also one of the most dangerous.

It’s a question that frames investing as a hunt for a lottery ticket. It encourages guesswork, drives FOMO (the fear of missing out), and pushes people to take on huge risks, often without realising it.

We think there’s a much better question to ask: “How do I build a portfolio that captures the growth of the entire crypto market, without having to guess the next winner?”

The answer is far more powerful and far less stressful. This guide is designed to give you that answer, showing you how to build a sensible, effective portfolio for 2025 and beyond.

What is a Crypto Portfolio and Why You Need One

At its core, a crypto portfolio is the collection of all the cryptocurrencies you own. But it’s more than just a random assortment of digital coins in a wallet. A portfolio is a deliberate, thought-out selection of assets that reflects your financial goals and your view of the market. Think of it like a traditional investment portfolio; you wouldn't just own one stock, you'd own a mix of shares, maybe some bonds, and property. In crypto, your portfolio might include foundational assets like Bitcoin, smart contract platforms like Ethereum, and other digital assets with different use cases.

The main purpose of building a portfolio is to manage risk while aiming for growth. This is the single most important concept to grasp. In a market known for its volatility, a well-constructed portfolio is the primary tool that separates strategic investing from pure speculation.

Imagine a farmer who only plants one type of crop. If a specific pest or a bad drought wipes out that crop, their entire livelihood is gone for the season. A wise farmer, however, plants several different crops. Some might be resilient to drought, others might be resistant to pests. If one crop fails, the others can still provide a harvest.

The Foundations of a Strong Crypto Portfolio

A strong portfolio is built on clear principles, not just market hype or hopeful guesses. Whether you're making your first purchase or have been in this space since the early days of Bitcoin, these foundations determine the resilience and long-term success of your strategy.

1. Define Your 'Why': Goals and Time Horizon

Before you even think about which assets to buy, you need to be crystal clear about why you are investing. Your goals will be your anchor in a volatile market. Are you:

• Accumulating for the long-term? Perhaps you see crypto as part of your retirement plan, aiming for significant growth over a decade or more. This long time horizon allows you to ride out market cycles and focus on assets with strong long-term fundamentals.

• Generating passive income? You might be interested in staking assets or providing liquidity to DeFi protocols to earn a yield. This strategy requires a different set of assets and risk considerations.

• Speculating on high-growth sectors? Maybe you're looking for shorter-term gains (1-3 years) by investing in emerging narratives like decentralised AI or GameFi. This approach demands a more active role and a higher tolerance for risk.

Your time horizon is your single greatest advantage. An investor with a 10-year outlook can afford to ignore daily price swings, whereas someone with a 1-year goal needs to be far more tactical.

2. Honestly Assess Your Risk Profile

The crypto market is a powerful wealth-creation engine, but it demands respect. Understanding your personal risk tolerance is non-negotiable. This goes beyond a simple questionnaire, it’s about being honest with yourself.

• The 'Sleep-at-Night' Test: If a 30% drop in your portfolio's value would cause you to panic-sell or lose sleep, your allocation is too aggressive. Your portfolio should work for you, not cause you constant anxiety.

• Risk Tolerance vs. Risk Capacity: These are two different things. Tolerance is how you feel about risk. Capacity is how much you can financially afford to lose without it impacting your life. Your capacity might be high, but if your tolerance is low, you need to build a more conservative portfolio. A mismatch here is a recipe for making poor, emotion-driven decisions.

The Case for Diversification in Your Crypto Portfolio

The single most important principle in managing investment risk is diversification. In simple terms, it means not putting all your eggs in one basket. While this might sound like a tired cliché, in the world of crypto, it's a critical rule for survival.

Imagine investing all your money into a single, promising altcoin. If that project succeeds, the returns could be incredible. But what if it doesn't? The brutal reality is that most crypto projects fail. According to a 2025 CoinGecko report, more than half of all cryptocurrencies listed since 2021 have already died, vanishing completely or becoming "ghost tokens" with no trading volume or utility. In the first quarter of 2025 alone, a staggering 1.8 million tokens ceased all activity.

This is what a concentrated approach risks. You are making a single bet that your chosen project will be one of the few survivors in a fiercely competitive market. It’s a high-stakes strategy that can lead to a total loss of capital.

A diversified portfolio, on the other hand, is your defence against this reality. It spreads your investment across a variety of different crypto assets, ideally in different sectors of the market — from established players like Bitcoin and Ethereum to promising mid-cap projects in areas like DeFi or decentralised storage. The goal is to ensure that the failure of a single project doesn't derail your entire portfolio. If one holding goes down 50% to 100%, gains in others can help to balance out the loss.

For most investors, this provides a much smoother and less stressful journey. It’s the same logic that leads traditional investors to buy index funds that track the whole stock market, rather than trying to pick the one winning company.

The data supports this. While Bitcoin is the market leader, it isn't always the top performer. In many market cycles, a diversified basket of top altcoins has significantly outperformed holding Bitcoin alone. The key is that different assets perform well at different times. By holding a mix, you increase your chances of capturing that growth, wherever it may be happening. 

By diversifying, you shift your strategy from trying to predict the future to being prepared for it. You accept that you won't always pick the single best performer, but you also protect yourself from picking the worst. It is the most proven method for managing the immense opportunities and inherent risks of the crypto market.

How to Build a Balanced Crypto Portfolio

Building a balanced portfolio isn't about simply buying lots of different coins. It requires a thoughtful strategy. 

Here are the key principles to follow:

1. Smart Diversification: The goal is to diversify effectively without over-complicating things. A good approach is to allocate your portfolio across different risk profiles:‍
   
   • Large-Caps (e.g. Bitcoin, Ethereum): These are the blue-chips of the crypto world. They form a stable foundation for a portfolio. A significant allocation here (e.g. 40-60%) is a common strategy.‍
   • Mid-Caps (e.g. Solana, Cardano): These are established projects with strong growth potential. They offer a balance of innovation and market presence.‍
   • Small-Caps: These are newer, more speculative projects. They carry higher risk but also the potential for outsized returns. Any allocation here should be small and match what you are willing to lose.

2. Include Stablecoins: Stablecoins are cryptocurrencies pegged to a stable asset, like the US Dollar (e.g. USDC). They don't offer high growth, but they play a crucial role in providing stability and liquidity. Keeping a portion of your portfolio in stablecoins gives you "dry powder" to take advantage of market dips.
   ‍
3. Rebalance Regularly: The crypto market moves fast. Over time, your portfolio's original allocation will drift as some assets outperform others. Rebalancing is the process of periodically selling some of your winners and buying more (or selling out) of your underperformers to return to your target allocation. This enforces a "buy low, sell high" discipline, but it can be time-consuming and costly to do manually.

The Building Blocks: Types of Crypto Assets for Your Portfolio

Building a balanced portfolio isn't just about buying a random handful of different coins. It’s a strategic process that requires you to think like a portfolio manager. The most important mental shift is to stop thinking of "crypto" as one single thing. All crypto assets are not the same, just as all stocks are not the same.

In the stock market, a smart investor doesn't just buy shares in ten different technology companies. They diversify across different sectors of the economy. They might own some tech stocks for high growth, some energy stocks as a hedge against inflation, and some healthcare stocks for their stability during economic downturns. Each sector has different drivers, risks, and rewards.

The exact same logic applies to crypto. The market has matured into a diverse ecosystem with distinct sectors, each with a unique purpose and value proposition. 

For example:

• Payment Crypto Assets (e.g. Bitcoin, XRP): The original use case for crypto. These function as a form of digital money and a store of value.

• Ecosystem Tokens (e.g. Ethereum, Solana): These tokens power the smart contract platforms that host thousands of decentralised applications (dApps). They are like the digital real estate of the crypto economy.

• DeFi Tokens (e.g. Uniswap, Aave, Lido): Tokens of decentralised finance protocols. These projects aim to build an open, global financial system for services like lending, borrowing, and exchanging assets without traditional intermediaries.

• DePIN Tokens (e.g. Helium, Filecoin, Render): Tokens that power Decentralised Physical Infrastructure Networks. These projects use token incentives to build and maintain real-world infrastructure — like wireless networks, cloud storage, and energy grids — in a community-owned way.

• Utility Tokens (e.g. BNB, Hyperliquid): These provide access to a specific product or service within a platform, such as reduced trading fees on an exchange.

• Asset-Backed Tokens (e.g. PAXG, ALFI private credit note): These are digital tokens that represent a direct claim on a real-world asset. Their value is tied to the underlying asset, which could be anything from gold (PAXG) to a pool of private credit loans (ALFI). They bridge the gap between traditional finance and the digital world.

• Stablecoins (e.g. USDC, USDT): Pegged to stable assets like the US dollar to minimise price volatility.

• Governance Tokens (e.g. Uniswap, Aave): Give holders voting rights on the future direction of a decentralised protocol.

• Meme Coins (e.g. Dogecoin, Shiba Inu): Highly volatile assets driven primarily by community hype and social media trends. These are at the highest end of the risk spectrum.

To take the stocks to crypto analogy further, the lines between these sectors can blur. Think of a company like Amazon. Is it a Consumer Discretionary company because of its massive online marketplace? Or is it a Technology company because of its dominant cloud computing division, Amazon Web Services (AWS)? The answer is, it's both. It wears multiple hats, and owning its stock gives you exposure to several parts of the economy at once.

The same is true in crypto. Many assets don't fit neatly into one box. Ethereum, for example, is:

• An Ecosystem Asset, providing the base layer for thousands of applications.
• A Payment Asset, as its native token, ETH, is used to pay for all transactions on its network.
• A Productive Asset, as it can be staked to earn a yield, much like a dividend-paying stock.

Understanding that crypto assets, like stocks, can belong to multiple categories is key. It helps you look beyond simple labels and build a truly balanced portfolio that is positioned to capture growth from multiple areas of this innovative asset class.

Common Crypto Investing Strategies

Once you have your portfolio structure in mind, you need a strategy for how you invest. A quick search online will reveal hundreds of supposedly "unbeatable" trading strategies, from complex technical analysis involving dozens of indicators to high-frequency algorithmic bots. The reality is that for most investors, simple is best.

The core reason for this is that perfectly timing the market is impossible. No one can consistently predict the exact top or bottom of a market cycle. The crypto market is famously volatile and influenced by so many unpredictable factors — from regulatory news to technological breakthroughs — that trying to time your entry and exit perfectly is a recipe for stress and, often, significant losses.

Sean Sanders, CFA Charterholder and CEO of Altify, notes that “We had clients in our early days telling us they felt 'too late' to buy Bitcoin when it hit $5k. We heard the exact same thing when it crossed $10k, then $50k, and again when it broke $100k. It’s a recurring theme. My conviction is that we’ll be hearing the same stories when Bitcoin is at $200k and $500k. It shows that for a long-term asset, the best time to start is usually right now, focusing on time in the market, not timing the market.

Instead of trying to be a market wizard, a much more effective approach is to adopt a simple, disciplined strategy that removes emotion and guesswork from the equation. Here are three of the most proven and common approaches:

• HODL (Hold On for Dear Life): The simplest strategy. It involves buying assets and holding them for the long term, ignoring short-term price movements. It’s a bet on the long-term growth of the projects you believe in.

• Dollar-Cost Averaging (DCA): This involves investing a fixed amount of money at regular intervals (e.g. weekly or monthly), regardless of the price. DCA removes the emotion from investing and helps you average out your purchase price over time. It's a powerful tool for disciplined, long-term wealth building.

• ‍Buying the Dip: An active strategy that involves purchasing an asset after its price has dropped significantly. This requires a strong conviction in the asset's long-term value and a good understanding of market cycles.

‍The Hassle-Free Solution: Crypto Bundles

Researching assets, managing multiple wallets, tracking performance, and manually rebalancing a diversified portfolio takes a lot of time, effort, and expertise. For most people, it's simply not practical. This complexity is a major barrier that keeps many from investing in crypto in a smart, sustainable way.

This is exactly why we created Crypto Bundles at Altify.

We wanted to offer a simpler, smarter way to invest in the crypto market, delivered by a regulated company that you can trust. Our Crypto Bundles are directly comparable to the world’s most popular ETFs (Exchange-Traded Funds) and index funds. Think of it this way: in the traditional stock market, instead of trying to pick the one company that will outperform all others, many savvy investors in South Africa buy an ETF that tracks the JSE Top 40. With one investment, they get exposure to the 40 largest and most established companies on the Johannesburg Stock Exchange. Similarly, global investors buy into the S&P 500 to own a piece of the 500 leading companies in the US.

Our Crypto Bundles apply this same powerful, proven logic to the crypto market. Our Top 10 or Top 20 Crypto Bundles, for example, give you diversified exposure to the largest and most significant cryptocurrencies in a single, ready-made portfolio.

Each asset that enters a Crypto Bundle is subject to a rigorous, professional evaluation process. Our team continuously monitors the market, assessing projects based on their liquidity, security, and real-world traction. This active oversight is designed to reduce your risk, filtering out fleeting trends and focusing on the assets with the most sustainable long-term potential.

"Predicting which single cryptocurrency — or stock — will be the next big winner is incredibly difficult, even for professionals," explains Sean Sanders. "That’s why we built our Crypto Bundles on the same simple but powerful idea as an index fund: why try to find the needle in the haystack when you can just buy the whole haystack? It’s about giving investors broad, diversified exposure to the market's growth in a single, simple investment."

With a Crypto Bundle, you can invest in the entire crypto market, or in specific sectors like DeFi or smart contract platforms, with just one transaction. Best of all, they feature automatic monthly rebalancing. Altify handles all the adjustments for you, ensuring your crypto portfolio remains aligned with the fast-moving market. This removes the guesswork and hassle, enforcing a disciplined investment strategy on your behalf.

And while our Crypto Bundles are designed for long-term investing, they offer complete flexibility. You are never locked in. You can sell your Crypto Bundle and withdraw your funds at any time, even right after buying it, giving you full control over your capital. It’s a true “set it and forget it” approach, but with the peace of mind that comes from knowing your investment is liquid and accessible whenever you need it.

A disciplined strategy is the key to successful investing. That’s why every Crypto Bundle we offer is a ready-made portfolio governed by a clear set of rules. There’s no guesswork involved. You always know the strategy your portfolio is following because it’s all laid out in our public Altify Crypto Bundle Methodology.

This rules-based approach means all Crypto Bundles are passive investments. There is no active manager making investment decisions or trying to time the market. This is also why there are no performance fees on any Crypto Bundle. Instead, each Crypto Bundle operates according to defined algorithms, with oversight from our investment team, to ensure they precisely follow their intended investment strategy. This could be tracking the top 10 crypto assets or a specific market sector.

Crucially, Crypto Bundles follow a method called direct indexing. Which means that when you invest in a Crypto Bundle, you own all the underlying crypto assets directly in your account. This is a key advantage. Many funds and ETFs can suffer from 'tracking risk' which is a gap between the fund's performance and the performance of the assets it's meant to track. With direct indexing, this risk is eliminated. The performance of your portfolio is an exact reflection of the assets you hold, giving you complete transparency and control.

Altify's Suite of Crypto Bundles

To cater to different investment goals and views on the market, we offer a range of specialised Crypto Bundles:

Top 20 Crypto Bundle (T20E and T20M)

The ultimate market tracker, offering broad exposure to the entire crypto economy by investing in the 20 biggest cryptocurrencies. This Crypto Bundle comes in two strategic versions: a market-weighted option and an equally-weighted option. The market-weighted version is the classic index approach, where larger assets like Bitcoin and Ethereum naturally have a bigger share of the portfolio, reflecting their dominance in the actual market. The equally-weighted version provides greater diversification by giving every asset in the Bundle an equal share (5% each). This reduces concentration in the top names and gives you more exposure to the growth potential of the other 18 promising altcoins.‍

Top 10 Crypto Bundle (T10E and T10M)

A more concentrated version of our market tracker, focusing on the 10 largest and most established crypto assets that make up over 80% of the total crypto market value. This Crypto Bundle also comes in two versions to suit your strategy. The market-weighted option gives more weight to the largest assets like Bitcoin and Ethereum, directly mirroring their influence on the market. The equally-weighted option provides more balanced exposure by assigning an equal 10% share to each of the top 10 assets. This approach reduces the dominance of the top two and ensures you have a significant holding in the other eight established altcoins, giving you more balanced growth potential across the board.‍

Blue Chip Crypto Bundle (BLUE)

A "best-of-the-best" approach to crypto investing. This Crypto Bundle doesn't just buy the biggest assets; it invests in the single leading crypto asset from each of the ten largest crypto sectors. From smart contracts to DeFi and the metaverse, you own the established leader in every key category, giving you a diversified portfolio of crypto's most dominant players.

Ecosystem Crypto Bundle (ECO)

Invest in the foundational layer of the new internet. Smart contract platforms like Ethereum and Solana are the digital real estate upon which DeFi, NFTs, and Web3 are built. This Crypto Bundle gives you diversified exposure to the most prominent and promising of these essential infrastructure platforms.

‍DeFi Crypto Bundle (DEFI)

Invest in the future of decentralised finance. This Crypto Bundle holds a portfolio of the biggest and most innovative projects building a new, open-access financial system on the blockchain. From decentralised exchanges to lending and borrowing platforms, you get exposure to the core of the financial revolution.

Metaverse Crypto Bundle (META)

Position yourself in the next frontier of digital interaction. This Crypto Bundle invests in the leading crypto projects building the future of virtual worlds, digital identity, and blockchain-based gaming. It's a portfolio for those who believe our digital and physical lives will continue to merge.

Auto 10 Crypto Bundle (AUTO)

A balanced, automated approach to crypto investing. This Crypto Bundle is designed to reduce volatility by holding a strategic mix of assets: 40% is kept in a US Dollar stablecoin (USDC), while the remaining 60% is invested equally across the top 10 cryptocurrencies. The system automatically takes profits during market highs and re-invests during dips, making it ideal for investors seeking smoother returns and disciplined, hands-off portfolio management.

Hedged Crypto Bundle (HEDGE)

Our most conservative crypto option, designed for maximum stability. This portfolio holds 80% of its value in a US Dollar stablecoin (USDC), acting as a significant buffer against market swings. The remaining 20% is invested equally across the top 10 cryptocurrencies to capture growth potential. It’s perfect for cautious investors who want low-volatility exposure to the crypto market with a built-in risk management strategy.

Web 3.0 Crypto Bundle (WEB3)

Invest in the new wave of the internet. This Crypto Bundle provides diversified exposure to the top crypto projects creating the new, decentralised web-based infrastructure. Web 3.0 is a fundamental shift in how the internet works, moving value and control from large corporations back to users. By investing in this Crypto Bundle, you're backing the key technologies powering this empowering and potentially lucrative frontier in our digital age.

Shield Crypto Bundle (SHIELD)

The ultimate store of value combination, designed to protect and grow wealth in any economic weather. This unique Crypto Bundle combines two of the world's leading stores of value—the time-tested stability of gold and the asymmetric growth potential of Bitcoin. It uses a sophisticated algorithmic approach to find the optimal ratio between the two assets, aiming to maximise your risk-adjusted returns. It’s a modern, all-weather strategy for investors who want the defensive strength of gold and the powerful upside of Bitcoin in a single, intelligent investment.

FAQs

How many cryptos should I have in my portfolio?

While there is no single magic number, the key is to strike a balance between meaningful diversification and manageable oversight. For most investors, holding between 10 and 20 different crypto assets is often considered the sweet spot.

Here’s why that range makes sense:

Avoiding Under-Diversification: Holding only one or two assets is extremely risky. If that single project fails or runs into problems, your entire portfolio is at risk. Spreading your investment across several assets protects you from the failure of any single one.

Avoiding Over-Diversification: On the other end of the spectrum is the risk of holding too many assets. If you own 50 or 100 different cryptos, a few problems arise. First, it becomes almost impossible to keep up with the news and developments for each project. Second, you risk diluting your returns. Even if one of your assets performs exceptionally well, its impact will be minimal on your overall portfolio. This is sometimes called "diworsification," where you are so diversified that your performance just mirrors the market average.

The legendary stock market investor Benjamin Graham advised holding 10-30 different stocks to achieve adequate diversification. A similar principle applies to crypto. The right number for you is ultimately personal. It should be high enough to spread your risk effectively, but low enough that you can still reasonably research what you own and track its progress.

This is another area where Crypto Bundles can help, as they provide instant access to a diversified portfolio of 10 or 20 assets without the individual research burden.

What should a beginner's crypto portfolio look like?

For a beginner, the primary goal should be to build a strong, resilient foundation before exploring more speculative assets. Think of it like building a house: you need to pour the concrete slab before you start putting up the walls and decorating the rooms. In crypto, your foundation is built on the most established, secure, and well-understood assets.

A proven and sensible starting point for most beginners is a portfolio heavily weighted towards the two "blue-chip" assets of the crypto world: Bitcoin and Ethereum.

• Bitcoin (BTC): This should be the anchor of your portfolio. It is the original cryptocurrency and is widely seen as "digital gold" due to its unmatched security, decentralisation, and status as a long-term store of value. It's the most stable and least volatile of all major crypto assets, making it the safest entry point.
• ‍Ethereum (ETH): This is the second critical piece of your foundation. Ethereum is the leading smart contract platform, meaning it's the digital real estate upon which thousands of other crypto applications — from DeFi to NFTs — are built. Investing in Ethereum gives you exposure to the growth of this entire ecosystem.

A balanced and common starting allocation could look like this:

• 50% Bitcoin (BTC): For stability and to act as the secure core of your portfolio.
• 30% Ethereum (ETH): For exposure to the broader innovation happening in the crypto economy.
• 20% Other Established Projects: This portion is for carefully expanding your diversification. Instead of speculating on small, unknown coins, a beginner should focus this allocation on other well-established, large-cap projects. This could include other leading smart contract platforms or a diversified investment in one of our sector-specific Crypto Bundles, like the Blue Chip or Ecosystem Crypto Bundle, which do the selection work for you.

This layered approach gives you a solid core that you can hold for the long term, while still allowing you to get exposure to other exciting areas of the market with a smaller, more controlled portion of your capital. As you gain more experience, you can adjust these allocations to better suit your goals.

How often should I rebalance my crypto portfolio?

There are two main schools of thought on rebalancing: by time (e.g., monthly, quarterly) or by threshold (e.g., whenever an asset drifts 5% from its target allocation). The challenge is finding the right balance.

If you rebalance too frequently, you can get hit with high transaction fees and you might sell a winning asset too early, missing out on a major price run. If you rebalance too rarely, your portfolio can drift significantly from your original strategy, leaving you over-exposed to a single asset and negating the benefits of diversification.

At Altify, we've found the "Goldilocks" solution for our Crypto Bundles is a disciplined, monthly rebalance.

Based on extensive back-testing of historical market data, a monthly schedule was shown to provide the best risk-adjusted returns. It's frequent enough to take profits from assets that have performed well and re-allocate to those that are underweight, keeping the portfolio aligned with its strategy. At the same time, it avoids the high costs and potential for missed gains that can come from weekly or daily rebalancing.

For our Crypto Bundle holders, this entire process is automated. We handle the disciplined, data-driven rebalancing for you every month, so you don't have to worry about it.

What is the single biggest risk in crypto investing? 

Beyond market volatility, the single biggest risk is project-specific failure. Many promising projects can fail unexpectedly due to technological flaws, security breaches, or simply being out-competed. If you are only invested in one or two of these projects, you risk losing your entire capital. This is why diversification is not just a recommendation but a crucial risk management tool. By spreading your investment across multiple assets, like in a Crypto Bundle, you significantly reduce the impact of any single project failing.

Is it safe to invest in crypto in South Africa?

Yes, it can be safe, provided you take the right precautions. The most important step is to use a reputable and regulated platform. Altify, for example, is an authorised Financial Services Provider (FSP) regulated by the South African FSCA. This provides a layer of oversight and accountability that unregulated offshore exchanges do not. Secondly, ensure the platform has strong security measures. At Altify, you have your own secure wallet where you directly own your assets, giving you full control.

How can I start investing in crypto with a small amount of money?

You don't need a lot of capital to get started. Platforms like Altify allow you to begin investing with as little as R150. The best approach for a small budget is to use a vehicle that provides instant diversification. Instead of buying a fraction of a single cryptocurrency, you can invest that same R150 into a Crypto Bundle. This allows you to own a piece of 10 or 20 different leading crypto assets at once, which is a much more risk-managed way to start your investment journey.

What's the difference between a Crypto Bundle and a crypto ETF?

A Crypto ETF (Exchange-Traded Fund), when available, is a fund that you buy and sell on a stock exchange, and the fund itself owns the underlying crypto assets. A Crypto Bundle on Altify uses a more modern approach called direct indexing. When you invest in a Bundle, you own all the underlying crypto assets directly in your own secure wallet. This eliminates "tracking risk" (the risk that the ETF's price won't perfectly match the assets it holds) and gives you greater transparency and control.

Should I invest in crypto or stocks?

The best answer for most people is: both. Stocks and crypto play different roles in a modern investment portfolio. Stocks in well-established companies can offer stability and steady growth. Crypto, as a newer and more volatile asset class, offers the potential for much higher, asymmetric returns. It's about balancing your portfolio. The good news is that investing in a diversified Crypto Bundle can feel just as simple and strategic as buying a stock market ETF like the S&P 500 or JSE Top 40.

Can I invest in single cryptocurrencies with Altify?

Yes, you can. While we are well-known for our diversified Crypto Bundles, we also offer you the flexibility to buy, sell, and hold a curated selection of leading individual cryptocurrencies.

This allows you to build a core portfolio around specific assets you believe in, such as Bitcoin or Ethereum, or to add a satellite holding in another promising altcoin. We support all the cryptocurrencies held within our Bundles as standalone assets.

So, whether you prefer the one-click diversification of a Crypto Bundle or you want to construct your own portfolio asset by asset, you can do it all on the Altify platform.

Start Building Your Optimal Crypto Portfolio With Altify

Building a sophisticated, diversified, and rebalanced crypto portfolio no longer requires you to be an expert. 

With Altify, you can get started in just a few minutes.

1. Sign Up: Download the Altify app or sign up on our website. Our verification process is quick and easy.

2. Fund Your Account: Deposit currency (ZAR, USD, GBP, or EUR) via bank transfer or send crypto from another wallet. You can start with as little as R150, $10, £10, or €10

3. Invest: Choose the Crypto Bundle that fits your goals and invest with a single click. You can track your performance and withdraw your funds at any time.