>>60487950 (OP)If you want actual simple and effective, here's the brutal truth:
80% BTC: The only crypto that matters long-term. Everything else is gambling.
15% ETH: Like BTC but with more dev drama and questionable upgrades. Still the only alt worth holding.
5% degenerate plays: This is where you throw money at stuff like memecoins like kaka, or whatever /biz/ is pumping that week. It's a 50/50, but when it works, it works
Anyone telling you to dump serious money into "low-cap gems" or "institutional darling alts" is either a bagholder or a scammer. BTC outperforms 99% of alts in the long run.