The Ultimate Portfolio for Lazy Crypto Investors

A low-stress strategy for building a strong crypto portfolio without chasing every trend.

Sep 29, 2025

Most of us don’t want to spend all day staring at charts or chasing the latest meme coins. This “lazy” crypto portfolio is like a friendly guide to the crypto universe: a mix of blue chips, strong up-and-comers, and a few lottery plays. It’s not financial advice, just an example of how a relaxed investor might spread bets in crypto.

We’ll break down each holding in simple terms, why it’s included, and its approximate market cap as of late September 2025.

The Majors (70% of portfolio)

These are the “blue chips” of crypto, large-cap leaders you hold for the long term. Together they form 70% of our lazy portfolio.

Bitcoin (BTC) – Digital gold of crypto. Bitcoin is the grandfather of all crypto, known for its strong track record and wide adoption. It’s like owning shares of a national currency or gold ETF. With a market cap of roughly $2.2 trillion, it’s by far the largest crypto. A lazy investor includes BTC for stability (relative to the crypto world) and broad market exposure.
Ethereum (ETH) – Programmable blockchain powerhouse. Ethereum runs the smart contracts and DeFi that many crypto projects use. Its market cap is about $500 billion, making it the #2 crypto. ETH gives you exposure to innovation (DeFi lending, NFTs, DAOs, etc.) while still being a giant in the space.
Solana (SOL) – High-speed smart-contract chain. Solana is chosen for its fast, low-cost transactions. It’s a popular layer-1 blockchain with lots of DeFi and NFT activity. Solana’s market cap is about $110 billion, putting it in the top 5 by size. It’s a bit riskier than BTC/ETH (smaller market cap and younger technology), but still a major platform to watch.

Mid-Caps (20%)

Next, we allocate 20% to four mid-cap altcoins. These are smaller than the majors but still significant, each with its own niche. A lazy investor holds these as moderate-risk growth plays.

Ethena (ENA) – Stablecoin innovator. Ethena is a newer DeFi project aiming to create a crypto-native U.S. dollar (a “synthetic dollar” called USDe). It’s built on Ethereum and backed by algorithms rather than banks. ENA’s market cap is around $4 billion. We include it for “bond-like” stability (it’s a stablecoin protocol) plus the upside of DeFi innovation.
Bittensor (TAO) – Blockchain meets AI. Bittensor is a decentralized network that rewards people for running machine-learning models (it’s like an open-source AI internet). TAO is the token that powers this network. With about $2.8 billion market cap, it’s a solid mid-cap. We pick TAO for exposure to AI and crypto combined. It’s more experimental than BTC/ETH, but many investors find the concept intriguing.
Avalanche (AVAX) – Quick and scalable blockchain. Avalanche is another major smart-contract platform known for speed and interoperability. It’s often compared to Ethereum but with even faster finality (many call it an “Ethereum killer,” although that hasn’t fully happened). Its market cap is roughly $12 billion, so it’s a heavyweight of the “altcoin” world. We include AVAX to diversify our layer-1 blockchain bets.
Arbitrum (ARB) – Ethereum’s layer-2 workhorse. Arbitrum is a so-called Layer-2 solution for Ethereum. It bundles many transactions off-chain and settles them on Ethereum, making transactions cheaper and faster. ARB’s market cap is about $2.3 billion. We choose Arbitrum for a bit of Ethereum scalability play. It’s still tied to Ethereum’s fate, but it has its own token that rose to prominence in 2024.

These mid-caps add variety: Ethena and Bittensor bring new tech themes (stablecoins and AI), while Avalanche and Arbitrum capture major blockchain projects. In a regular portfolio, this is similar to having some growth and tech stocks outside your blue chips. You might rebalance occasionally, but overall you hold for the medium-to-long term.

Moonshots (10%)

Here’s where we get playful. The final 10% is split among seven “moonshot” tokens. These are high-risk, high-reward projects with special themes. The idea is not to bet heavily but to give a tiny slice of capital to some ambitious plays. We explain each briefly:

Chintai (CHEX) – Real-world asset tokenization. Chintai’s platform tokenizes real-world assets (like commodities or bonds) on-chain. It’s an institutional-ish play for tokenizing value. CHEX market cap is tiny, around $85 million. We mention Chintai as an example of a specialized use case – if crypto is going to tokenize everything (from real estate to even fruit and NFTs of real things), Chintai is aiming at that niche. It’s very speculative, so treat it like a long-shot lottery ticket in the portfolio.
Raydium (RAY) – Solana’s DEX engine. Raydium is a decentralized exchange (AMM) built on Solana. It’s where people swap tokens and provide liquidity on Solana. Market cap is about $690 million. We include Raydium to tap into Solana’s growing DeFi scene. If Solana’s DeFi takes off big-time, Raydium could do well. If not, we only risk a small amount.
Ether.fi (ETHFI) – Liquid restaking protocol. Ether.fi is another newcomer in the ETH staking field, offering decentralized staking with potentially higher yields. It’s a community-driven staking solution for ETH. Market cap is about $810 million. Think of it as a riskier challenger to Lido in the same industry.
Aerodrome Finance (AERO) – Base network hub. Aerodrome (on Coinbase’s Base Layer 2) is a new decentralized exchange (AMM) aiming to be the main liquidity provider on Base. Market cap is roughly $910 million. It’s a moonshot because Base is still emerging (launched in 2023), so we include Aerodrome as a high-upside bet on Base’s growth. If Coinbase’s chain takes off, AERO could do very well.
Destra Network (DSYNC) – Decentralized AI/cloud. Destra is aiming to create a decentralized cloud and GPU computing platform for AI. It’s very cutting-edge – essentially trying to build a community-run supercomputer. Market cap is only about $80 million. Don’t bet the farm, but it covers a theme you wouldn’t otherwise touch (AI computing power on-chain).

Each moonshot token gets just a small piece of the portfolio. Together they make up 10%. This is like buying a few lottery tickets in the stock market. You may lose them all, but maybe one pays off big if its theme explodes in popularity.

Putting It All Together

This portfolio is purely illustrative and deliberately simple. You could dollar-cost-average into these over time instead of buying all at once. It’s roughly 70/20/10 allocation by percentage.

By the way, we’re not telling you exactly what to do with your money. This is not financial advice, it’s just an example of how one might casually diversify in crypto without constantly flipping coins. In traditional investing, people might put 70% in an S&P 500 index (big companies), 20% in smaller growth stocks, and 10% in high-risk startups. Here we’ve done something similar with digital assets.

Importantly, you don’t have to actively trade this mix. A lazy investor might set these allocations and revisit them occasionally, maybe rebalancing a few times a year or whenever one holding has drastically outperformed the rest. For example, if Bitcoin suddenly doubled and made up more than 30% of the portfolio, you might trim it back to 30%. But day-to-day volatility? The idea is to ignore it as much as possible.

Also, having a fixed allocation helps curb FOMO: you’re not chasing each new hot coin. Instead you have a plan: “I’m mostly in BTC, ETH, SOL; I have a bit in these mid-caps; and a sprinkling in these moonshots.” You could even set up automatic recurring buys (dollar-cost averaging) if you really want to be hands-off.

Why This Matters

A diversified crypto portfolio for lazy investors has two goals: risk management and peace of mind. By spreading money across top-tier assets (Bitcoin, Ethereum) and a few smart alt bets, you’re not putting all your eggs in one basket. You ride the crypto wave with the blue chips, and any upside beyond that is a bonus (from mid-caps and moonshots).

Comparing to traditional finance again: this is similar to holding a mix of index funds, industry ETFs, and maybe a couple of speculative tech startup stocks. Many financial advisors actually recommend something like 70/20/10 or 60/30/10 in stocks, bonds, and cash (or other investments) for a balanced portfolio. Here we’ve adapted that idea to crypto’s world.

One big difference: there’s no “cash” or “bonds” here. The mid-cap stablecoin (Ethena) is our closest thing to a low-volatility asset, and Bitcoin partly plays a store-of-value role. But the principle is the same. We’re acknowledging crypto’s volatility by emphasizing the large caps (lower relative risk) and by keeping speculative bets quite small.

Of course, do your own research. If any of these projects catch your eye, learn more about them. If some other project instead of these appeals more to you, the structure is what matters: 70% large-caps, 20% medium-caps, 10% throwaways. The exact names can change with time. As of Sept 2025, the ones listed above are illustrative picks.

Final Thoughts

A lazy crypto investor’s portfolio shouldn’t be stressful. It should be straightforward and aligned with long-term goals. We aimed for a calm, honest tone here because crypto can be hype-heavy elsewhere. Remember the big lesson: nobody knows the future, but owning a piece of the top projects plus a few smaller picks can give you exposure without constant panic selling or FOMO trading.

Imagine you’re chatting with a crypto-knowledgeable friend over coffee: “Here’s how I’d do it if I wasn’t going to watch the market every day.” That’s the spirit of this article. It’s educational and perhaps even actionable as a template, but always remember that crypto is volatile so it’s important to only invest what you.