Last week, someone asked me in a private message: "If you earn 1 million in the currency circle, will you directly exchange it all for USDT to eat the annualized currency?"

My answer is: no.

It's not that the annualization is not fragrant, but the way big money plays has never lived on interest - what can really make wealth grow is to let money move and operate rhythmically.

The core problem is not that the market has no chance, but that the money has been "lying flat". You think you're waiting for the right moment, but in fact, your capital allocation is not designed to "seize the opportunity" at all.

Last month, a friend talked to me and said that he had 1 million spare money in his hand to eat interest in wealth management products, which was only more than 80,000 yuan a year.

I asked him to send me a screenshot of the account, and after a glance, I understood: the money was all piled up in one place, there was no configuration, no rhythm, and of course it didn't run fast.

Later, I shared with him a framework commonly used for large funds - I call it the "three-tier fund allocation method":

**The first layer: 20% stable bottom position, used to stabilize the mentality**
This part is not used to make a lot of money, but to "support the bottom".
It can be placed in fixed income products, node staking, and platform activities to receive subsidies......
Its function is to make you not panic, not to move, and to chase the rise if you are dissatisfied.
Stability is the first iron law for big money to survive.

**Level 2: 50% of the main position, do low-risk arbitrage**
This layer is not chasing hot spots, not FOMO, but seizing swing opportunities with strong certainty.
For example, some time ago, when ETH fell from 3435 to 3160, the point was clear, the profit and loss ratio was reasonable, and a wave of short orders was made with 50% of the position, and the harvest was steady.
Relying on this layer in a year, the income has far exceeded the interest.

**Third Layer: 30% Opportunity Warehouse, Reserved for Explosive Situations**
Always keep bullets for yourself.
The real big market, black swan, new currency changes, and the main stampede...... It often appears when you don't expect it.
Just like there was a broken new coin guard before, I directly took advantage of the trend to short, and what I ate was the cleanest bite of meat.
Opportunities are always reserved for those who have positions.

The final effect is obvious:
20% guaranteed mentality, 50% stable harvest, 30% critical hit outbreak.
Money is flowing, positions are rhythmic, and opportunities can be seized, so they naturally run much faster than simply eating interest.

Remember a sentence:
It's not that the market doesn't have opportunities, it's that your capital structure is not designed to "eat opportunities" at all.