In 2026, newcomers to the cryptocurrency market come not for gambling, but for preservation and moderate capital growth. At the same time, the market has become more complex, and attempts to earn quickly often end in losses. Experts advise starting not with the choice of a 'trendy coin', but with a clear strategy and risk management. About this writes BeInCrypto.
Cryptocurrency for beginners in 2026: where to start
PhD candidate Mupengnu Nzussi Kevin Grass emphasizes that the main priority for beginners is safety. He advises forming a portfolio gradually and avoiding emotional decisions. Among the basic rules:
- keep the majority of the portfolio in reliable assets;
- invest regularly in small amounts according to the DCA strategy;
- only invest money that can be lost without critical impact;
- store assets on hardware wallets;
- do not trust promises of guaranteed profit.
Crypto expert Anton Shustikov adds that discipline is more important than emotions, and entering the market should be done in 'steps' at equal time intervals.
Cryptocurrency for beginners in 2026: portfolio structure
Most surveyed experts agree that the core of the portfolio should be Bitcoin and Ethereum. ALT3 Capital founder Dinar Fakhutdinov notes that in 2025, 91% of altcoins lost value, often by 50-70%, so beginners should avoid excessive risk.
The optimal model is considered to be:
- 70-80% of the portfolio - Bitcoin and Ethereum;
- 20-30% - major projects from the top 20 by capitalization with real utility.
Among the possible additions, experts mention Solana, Polkadot, and BNB. ABCEX exchange development director Georgi Topchishvili also advises adding USDT as a stable element to reduce volatility and maintain flexibility.
For cautious investors, the conservative option is a combination of Bitcoin and USDT. More complex directions, such as Perpetual DEX, experts recommend considering only after gaining experience and in a minimal portion of the portfolio.
Let us remind you that Ukraine has entered the top 5 countries with the largest number of Bitcoin reserves.