#比特币对比代币化黄金 Holding 100,000—Should You Bet on Spot or Go for Contracts? Two Real-Life Cases Give You the Answer

The experiences of these two people in my WeChat Moments might be more useful than any tutorial.

**Spot Holder Old Zhang’s “Slow Is Fast” Approach**

He started with 50,000, focusing solely on major coins like BTC and ETH. Whenever the market tanked, he increased his positions; when the price was right, he sold off 10%-20% in batches. Over three years, he turned it into 2,000,000. One thing he always says: “Don’t mistake luck for skill—only take chances you understand.” The survival logic of spot trading is simple: the probability of going to zero is extremely low, and time is your ally—especially suitable for newcomers still finding their way.

**Contract Pro Xiao Li’s Rollercoaster Ride**

He once turned 3,000 USDT into 200,000 in a week using 10x leverage and high-frequency trading. But one extreme market move wiped him out—account went to zero in less than three days, and he ended up in debt. The magic of contracts is speed, but the brutal truth is: nine out of ten people won’t last three months. High leverage magnifies every fluctuation, and liquidation often comes sooner than you think.

**How Should You Make This Choice?**

**Spot Route: Trade Time for Opportunity**
- Who it’s for: Those who can’t monitor the market 24/7, have moderate risk tolerance, and want long-term returns
- Core strategy: Buy in batches on dips, hold major coins, stay away from shitcoins
- Essence: Profit from trends and cycles, and test your patience

**Contract Route: Take Risks for Rewards**
- Who it’s for: Seasoned veterans who can accept losing all their capital and have strong discipline
- Core strategy: Never exceed 10x leverage, always set hard stop-losses, never hold onto losing positions
- Essence: It’s a volatility game—risk control is everything

**A Few Hard Truths for Beginners**

If losing this 100,000 would affect your normal life, spot is your only option;
Want to try contracts? Use no more than 10% of your total funds as practice money;
The real pros always use spot as their base and play contracts for short-term swings, but contracts are always just a side play—never go all-in.

The biggest trap in crypto isn’t how crazy the market gets, but overestimating your risk tolerance. The secret to steady profits is finding an approach that matches your personality. The market won’t cut you any slack for being brave, but it does reward those who respect risk.

Remember: Surviving is more important than running fast.