Can I deposit Bitcoin with a monthly salary of NT$35,000? Bitcoin Beginner Investment Strategies, From Cash Flow to Financial Arrangements
REACQUAINTING BITCOIN: THE STARTING POINT OF YOUR INVESTMENT STRATEGY
What is Bitcoin?
Bitcoin, or BTC, is a decentralized digital currency created by anonymous developer Satoshi Nakamoto in 2008.
Unlike traditional financial transactions that require reliance on banks or central institutions, Bitcoin is based on decentralized characteristics and does not require a centrally controlled payment system, giving Bitcoin greater security and privacy.
Why are more and more investors starting to focus on Bitcoin?
Bitcoin is known as digital gold due to its scarcity and plays an anti-inflationary and risk-averse role in modern assets. Bitcoin prices have shown a steady upward trend as blockchain technology gains popularity in the market, coupled with limited supply. According to statistics, Bitcoin has an annualized return rate of 82% over the past decade, surpassing the US and Taiwan majors
Advantages of Bitcoin
• HIGH ANNUALIZED RETURNS: FROM JUNE 13, 2025, BITCOIN HAS AN ANNUALIZED RETURN OF 82%, SIGNIFICANTLY OUTPACING TRADITIONAL FINANCIAL MARKETS, AND HAS BECOME AN IMPORTANT BASIS FOR MANY LONG-TERM INVESTORS TO DEVELOP BITCOIN INVESTMENT STRATEGIES
• Scarcity: Limited total to avoid the risk of overissuance of CFDs
• Global Circulation: Bitcoin is geo-free and can be traded via blockchain wherever you are in the world, as long as there is a network
Bitcoin Risks
• HIGH PRICE VOLATILITY: BITCOIN'S PRICE IS SUSCEPTIBLE TO INTERNATIONAL POLICIES, LAWS, AND COMMUNITY SENTIMENT, AND THERE ARE NO LIMITS TO UPS AND DOWNS, SO RISK MANAGEMENT AND CAPITAL ALLOCATION MUST BE CONSIDERED WHEN DESIGNING A BITCOIN INVESTMENT STRATEGY.
• Limited trading options: The scenario of being able to buy goods or services directly with Bitcoin remains limited, resulting in relatively low liquidity for Bitcoin in daily life.
• Security Risk: Bitcoin transactions rely on digital wallets for asset storage, but wallets being stolen or private keys lost will result in the assets being unrecoverable. In addition, some exchanges still lack adequate regulatory mechanisms in the market and there is a potential risk of theft of funds or fraud
View Investment Attributes: What type of investor are you?
Do you want long-term stable value growth, or do you want to capture market bands? Investing in Bitcoin, is it to diversify assets or to pursue high returns? A clear investment objective and risk-averse assessment is the first step to developing an effective Bitcoin investment strategy
What is the purpose of your investment?
1. Long-Term Investor
Core Objectives: Reach wealth freedom with retirement planning.
Long-term investors are often referred to as “HODLers”. The focus is on Bitcoin as a long-term value for an emerging asset class that believes its underlying blockchain technology and decentralized properties will continue to ferment for years or even decades to come.
The mindset of investing is more like a “value investor”.
Bitcoin Investment Strategy Core for Long-Term Investors
• Time change space:
They believe that “Time in the market” is more important than “Timing the market”. Their goal is to have at least more than one full bull cycle (usually more than 4 years) and thus get through short-term market noise.
• Periodic Fixed Rate (DCA):
This is the most useful weapon for long-term investors. Whether the market is up and down, investing a fixed amount of money every month or week can be disciplined and sustained to offset costs effectively and avoid making wrong decisions out of fear or greed. This is the most painless and effective Bitcoin investment strategy for workers earning a fixed salary.
• Buddhist investment, focusing on local industries:
They don't stare every day, they don't get anxious because of a day or two of downpours. Instead, a significant pullback in the market is in their eyes, instead a “discount season” of accumulating assets at a lower cost. They put their main energy into their work and life, making time their best friend.
Risks and Challenges
Strong mental qualities: Being able to maintain faith and keep investing in the face of huge ups and downs is a great test of humanity.
Long-term asset security: Long-term holding means that you need to put more emphasis on the security of your assets, and learning to store your assets with a Cold Wallet is an essential part of your Bitcoin investment strategy.
Reference Article:About Cold Wallets
2. Short-to-mid-term trader
Core Objectives: Earn spreads through market volatility over a period of time (hours, days, or months) to seek high short-term returns.
Short-term traders are more like “market participants” who actively analyze the market to try to predict the next move in the price.
They see Bitcoin as a highly volatile trading instrument whose goal is to accumulate profits by buying short or selling high and low.
Bitcoin Investment Strategy Core for Short and Medium Term Traders
• Technical analysis and market sentiment:
They rely heavily on technical indicators such as charts, K-lines, trading volume, RSI, MACD, etc., and they also need to pay close attention to macroeconomic factors such as market news, community sentiment, and Covenant policy.
• Swing Trading:
This is the most common trading strategy to buy when the price is at the bottom of an uptrend, sell at the top of the trend or when a reversal signal appears to make a profit on a band.
• Strict risk control:
Short-line Bitcoin investment strategy, wind control is more important than prediction. Clear Stop-loss and Take-profit points must be set, and once the price hits the set conditions, the rules must be broken.
Risks and Challenges
• Extremely high risk and stress: Predicting the market is extremely difficult and one wrong judgment can lead to losses. Frequent trading can easily bring great psychological stress.
• A LOT OF TIME SPENT: IT TAKES A LOT OF TIME TO STUDY, REVIEW, AND RESEARCH MARKET INFORMATION, WHICH IS DIFFICULT FOR WORKERS WHO NEED TO FOCUS ON THEIR OWN BUSINESS.
• Not suitable for beginners: in the absence of sufficient knowledge and experience, it is easy to become a harvested “leek”.
How do I assess my ability to resist risk?
1. ages
Youth (20~35 years old)
This stage is the most risk-averse, with a long time to go from retirement, and plenty of time to wait for the market to cool down even if there is a loss on the investment. Therefore, in Bitcoin investment strategies, it is possible to more actively allocate higher ratio funds on such high return criteria as Bitcoin.
Recommendations for the allocation of assets in youth
The ratio of “conservative models” to “profitable models” is approximately 2:8
Middle Ages (36~45 years)
Most investors in this period have financial stress such as housing, car loans or getting married, so the proportion of the profitability model is reduced, so Bitcoin investment strategy should be stable and viewed as part of the overall asset allocation, used to disperse risk or pursue additional growth, but should not be overdrawn High Ratio
Mid-Year Asset Allocation Ratio Recommendations
The ratio of “conservative models” to “profitable models” is approximately 5:5
Senior years (46 years and older)
Investors at this stage have typically begun retirement planning, with the main financial goal being capital preservation and seeking a small and stable interest rate to avoid being used up in the coming decades, so the percentage should be kept to a minimum on a Bitcoin investment strategy during high years. Mid-Year Asset Allocation Ratio Recommendations
The ratio of “conservative models” to “profitable models” is approximately 8:2
2. Capital Status
• Are the available funds stable?
Stable monthly cash flow (e.g. salary) allows you to adopt”Regular Fixed Rate” How to invest in Bitcoin, balance market fluctuations through the average cost method.
If the source of income is unstable, you should reduce the investment ratio to avoid affecting basic living expenses.
Suggested:Only the part of the income that “does not affect the quality of life” can be allocated
• Is there an emergency reserve?
Before investing in Bitcoin, it is recommended to reserve at least 3—6 months of living expenses as an emergency reserve. This way, no matter how the market fluctuates, you can confidently hold a position and not be forced to sell because of a sudden situation.
Suggested:A strategy for investing in Bitcoin should be built on top of a complete financial safety net as part of a medium-term configuration.
Can I deposit Bitcoin with a monthly salary of NT$35000? How much is the vote?
A monthly salary of NT$35,000 is certainly worth investing in Bitcoin, provided you have a good financial strategy, especially young people who are just starting out in society, often face the reality of “low pay, low expenses”. At this point, sound money allocation rules are especially important, and Rule 631 is a great starting point for newbies.
Rule 631: Applicable to families with higher wage and salary ratios for life consumption
• 60%: Living expenses (rent, transportation, food, etc.)
• 30%: Savings
• 10%: Risk preparedness funds (such as medical fees)
The chart below shows the cost of living, and it can be seen that if young people with rent have a rent, there will be some tightness in the cost of living at 6%
The total cost of living is NT$24,000 and the remaining NT$11,000 can be allocated to savings and risk planning of NT$8500 and NT$2,500, respectively.
Following the Bitcoin investment strategy mentioned earlier in the youth period, you can invest 8% of your savings into the profitable model for about NT$6800
Suppose you invest in Bitcoin on a regular basis for 4 years, invest $5 per day (approximately NT$4,500 per month), and the total investment is:
$4,500 × 12 months × 4 years = $216,000
Calculating approximately 181.6% based on the return on investment in Bitcoin over the past 4 years (2021~2024):
Final Assets: Approximately $599,210
Of which the return on investment is: $383,210
A monthly salary of NT$35,000 is not a barrier to investing in Bitcoin. As long as you have a clear allocation of funds and a sense of risk, you can seize the growth opportunities of digital assets in a stable way with a financial architecture like the “631 Rule” and with a regular fixed amount of Bitcoin Investment Strategy.
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Investing in virtual assets involves the risk of price volatility and liquidity. The above is for reference only and does not constitute financial advice. Assess your financial situation carefully before investing and be wary of fraud.
