#美联储重启降息步伐 **100,000 RMB: Should You Go All-In on Spot or Play with Leverage? These Two Real Stories Could Save You Tuition Fees**
Last weekend, I had dinner with a few friends in the crypto space, and we brought up this timeless topic: with 100,000 as starting capital, what’s the best way to play? The experiences of Old Zhang and Young Li offer a stark contrast—worth sharing.
**Old Zhang’s “Zen Approach to Getting Rich”**
This guy entered the market years ago with 50,000, sticking with mainstream coins like BTC and ETH. Every time the market crashed and others panic sold, he calmly bought more; when the price hit his target, he sold in batches at a pace of 10%-20%. After three years, his account steadily climbed to 2 million. His motto: “Don’t mistake luck for skill—only take the profits you understand.”
The benefits of spot trading are obvious—even if the price gets cut in half, as long as the project survives, your account balance always stays positive. This approach is especially suitable for office workers: no need to watch the charts 24/7, and you won’t wake up to find your position wiped out.
**Young Li’s “Leverage Rollercoaster”**
Now look at Young Li. He started with 3,000 USDT, using 10x leverage to trade frequently and actually turned it into 200,000 in just a week. He walked around like he owned the place, sharing his trading philosophy with everyone. Then, one early morning, the market suddenly turned—three big red candles broke his liquidation line, and in less than 72 hours, his account hit zero, leaving him even in debt.
That’s the allure of leverage—it can catapult your wealth in a short time, but the price is you might get kicked out of the game at any moment. Data shows that 90% of leveraged traders don’t last more than three months, because leverage amplifies every move tenfold or even a hundredfold. Liquidation often comes faster than you think.
**Which Path Should You Choose? Two Completely Different Approaches**
**Spot Trading = Trading Time for Returns**
- Who it’s for: People who can’t watch the market all day, can’t afford to lose their principal, or want steady growth
- Key strategies: Buy in batches during market panic, focus on mainstream coins, avoid unknown altcoins
- Profit logic: Earn from cycles and trends, relying on patience and discipline
**Leverage Trading = Trading Risk for Explosive Gains**
- Who it’s for: Experienced traders, those who can handle losing their principal, and people with strong execution
- Key strategies: Keep leverage under 10x, always set strict stop-losses, never hold onto a losing position
- Profit logic: It’s all about volatility, with risk control as the core
**A Few Heartfelt Words for Beginners**
If losing this 100,000 would affect your daily life, don’t hesitate—stick with spot trading;
If you really want to experience the excitement of leverage, start with no more than 10% of your total funds, never go all-in right away;
Top players in the space usually hold spot as their base and use leverage for short-term swings, but leverage should always play a supporting role, never the main one.
The biggest trap in crypto isn’t how brutal the market can be, but how we tend to overestimate our own risk tolerance. Those who make money consistently are the ones who find a path that matches their personality and risk appetite.