BNBUSDT20240923C520
Binance Coin / Tether USD Sep 23 2024 520.00 Call
crypto

I started investing in **Oct 2024**, and as of today, I’ve crossed **₹10 lakh** in total invested capital across MFs, stocks, gold/silver, and crypto. Before FY ends, I want to streamline my strategy, cut what’s unnecessary, and strengthen the long-term core of the portfolio.
I’m sharing my full breakdown below and would love **constructive review and suggestions** from the community.
# 🧭 My Investing Style
* Long-term investor (10–20 year horizon).
* Comfortable with volatility; buy aggressively during corrections.
* SIP-first approach for core allocation (MFs + gold/silver + crypto).
* Stocks only when valuation + quality + technicals align.
* Goal: **Wealth creation + early retirement + corpus for major life events.**
# 📊 Portfolio Overview (as of Nov 2025)
# 1️⃣ Mutual Funds (Core)
|Fund|Invested|Current Value|SIP|Return|
|:-|:-|:-|:-|:-|
|ICICI Nifty Next 50 Index|₹1,31,000|₹1,36,000|₹15k/mo|\~4.14%|
|HDFC Flexi Cap|₹90,690|₹95,990|₹15k/mo|\~5.84%|
|Parag Parikh Flexi Cap|₹75,990|₹77,070|₹15k/mo|\~1.42%|
|Tata Arbitrage|₹74,990|₹77,320|₹5k/mo|\~3.1%|
|Invesco Arbitrage|₹74,990|₹77,260|₹5k/mo|\~3.03%|
|Motilal Oswal Midcap|₹54,990|₹58,140|Lump-sum on dips|\~5.72%|
|HSBC Small Cap|₹44,990|₹46,130|Lump-sum on dips|\~2.52%|
|**ELSS funds**|**parked**|**to be exited** |**post lock-in**||
**MF Total:** \~₹6.42 lakh
# 2️⃣ Stocks
|Stock|Avg Buy|Invested|Return|
|:-|:-|:-|:-|
|BSE|₹2,123|₹12,743|\+36%|
|CAMS|₹3,583|₹28,669|\+12%|
|CDSL|₹1,231|₹12,313|\+33%|
|HAL|₹3,497|₹17,486|\+34.8%|
|PI Industries|₹3,457|₹24,202|\-0.48%|
|KFin Tech|₹1,083|₹15,162|\-0.37%|
|HDFCBank|₹994|₹14,910|\+1.49%|
|PharmaBEES|₹22.57|₹5,665|\+3%|
**Stocks Total:** \~₹2.18 lakh
# 3️⃣ Gold & Silver (Hedge)
|Asset|Avg Buy|Invested|SIP|
|:-|:-|:-|:-|
|GoldiETF|₹89.47|₹29,615|₹7.5k/mo|
|Silver ETF|₹131.50|₹17,884|₹7.5k/mo|
**Total:** \~₹56,159
# 4️⃣ Crypto (High-Risk Bucket)
**Invested:** ₹1,26,172
**Current:** ₹1,01,879
**P/L:** \-₹24,556 (-19.28%)
**Holdings:**
|Coin|Qty|Avg Buy (INR)|SIP|
|:-|:-|:-|:-|
|BTC|0.00537434|₹96,26,513|₹1.5k/week|
|ETH|0.09301|₹3,01,723|₹500/week|
|BNB|0.3225|₹87,091|₹500/week|
# 5️⃣ Other Details
* Emergency fund: **₹5 lakh** (split across banks + arbitrage funds) - depending on credit cards/family/friends till arbitrage funds liquidate
* Loan outstanding: **₹27.18 lakh** @ 7.6% (₹26,090 EMI).
* Monthly in-hand income: \~**₹1.5L**.
* Insurance: Life + Health fully covered.
* Retirement target: **₹10 crore corpus** (as early as possible).
* Investing since: **Oct 2024**.
* Gave out an unofficial loan of **₹2.5L** (2% interest per month)
* Additional **1L** in NPS and **1L** in EPF
Open to all feedback — critical or supportive.
Trying to tighten my strategy before FY26-27 begins.
Credits to ChatGPT for helping create this post

BTC sitting near 91.7k, ETH around 3k, SOL at 141, BNB at 900, ATOM at 3, SCRT at 0.17, and XRP at 2.11! The market structure right now feels like a mix of macro whiplash and overextended leverage getting flushed in waves.
With these kinds of moves, the real question for me has been less about direction and more about risk architecture. A lot of protocols still treat liquidations as a binary event: you hit the threshold, the entire position gets wiped. In this environment, that design feels outdated.
That’s why I’ve been using margin setups that actually handle stress differently. Nolus, for example, uses partial liquidations instead of full ones, and its oracle pricing smooths extreme wicks. The result is that positions don’t disappear instantly during volatility spikes, they’re reduced, not erased. It’s a more controlled deleveraging model.
This isn’t a pitch. I’m genuinely interested in how others here view liquidation design.
Do you prefer traditional LTV-based systems, or the newer models that spread liquidations across smaller chunks?
And in conditions like this, do you adjust your leverage strategy at all, or just stick to your usual thresholds?
Would like to hear how others in DeFi are approaching this sort of market stress.

I've doubled my net mainly because my average price of bitcoin is low so it would have to really going very down to actually start to show a loss on my side. 
And the second reason are few strokes of luck with Hyperliquid and Aster where I entered early and sold close to ATH, and BNB which I hold for long time and performed really good this year. 

You’re mixing up Cardano with DPoS chains like EOS. Cardano isn’t delegated PoS :) it’s liquid PoS with capped pool saturation, no slashing and no fixed "delegates".
Whales actually lose efficiency if they try to game it.
And comparing Cardano to SOL/BNB/EOS is like comparing a calculator to a microwave: both have buttons, but they weren’t designed for the same job. XD

Hello,
After having more and more demand from Binance to verify my ID (that I already fully provided a year ago), I thought it was time for me to really embrace crypto and get out of an exchange that literally gives every transaction and address to my country.
I have over 10k USDC (on bsc at the moment) and around 1 and half eth left as well as 1 BNB.
I was using the staking on Binance for a sweet 6% return on my stablecoins.
I would like to know if there is any other way to make it work again - safely - and if so how ?
I’m not really looking into high return / long term lock as I want it to be ready in case I need it, I just want to it to be decentralized.
Maybe I would need another wallet (I have a ledger but my address is cooked due to the transfers with Binance) to gain more confidentiality, willing to take advice on it too !
Thank you :)

NIST has already validated enough PQC algorithms to patch things. https is in the process of being updated and the fixes are in the pipe. Central servers are MUCH easier to upgrade than a distributed network. Government systems are already being upgraded. This has been going on for a while and NIST updated the threat level in Aug 2024, well over a year ago.
I believe they upgraded the level again this year but I don't remember the month, stating that all legacy systems should start upgrading ASAP.
Anyone in cyber security is well aware of it by now and working to fix it by upgrading legacy systems to PQC.
The difference with blockchains, is that distributed ledgers pose massive upgrade problems, like the ones you mentioned. A hard fork is the "easy" way but as you mentioned it's inherently difficult to execute. If you want to keep the block history that also takes a ton of time to recompile all the transactions using PQC. Another problem is distributed miners have to have consensus for the upgrade to even happen, and a bunch of them in BTC still think quantum hacks are fictitious boogeymen, assuming this tech is a generational cash cow or money grab like cold fusion was, or in short that QC will never work. An even larger percentage think it won't be a threat for another 50 years.
Suddenly, cryptos like QRL, which has been a fix for this problem since 2018, look a lot more credible and could become a safer alternative to legacy chains.
An interesting case is BNB, which is in fact a centralized blockchain. I'm curious to see what kind of solutions they come up with as they can be much more agile than other blockchains because they don't have a consensus issue.

How to receive USDC:
1. Give your receiving wallet address (Custodial or Non-Custodial Wallet) to your client.
2.a. (If you're going to use a non-custodial wallet like Metamask, OKX wallet, Bigtget Wallet or any hardware/Cold wallet) Send to your preferred custodial wallet [binance, bybit, bitget, OKX] ***skip this part if you'll use a custodial wallet as your receiving address***)
2.b. Go to p2p. Sell your USDC to a p2p merchant.
2.c. If you need to off-ramp more than 200k then I'll suggest that you use Moneybees instead. Provide mo lang yung mga necessary documents. BSP and SEC regulated yan. may OTC sila, punta ka nalang sa physical partner stores nila if you want na physically nandun ka para kunin pera mo, infos are on their website. **IGNORE STEP #3 BELOW KUNG ETO OPTION NA GAGAWIN MO**
3. If you sell your stablecoin (USDC) the p2p merchant will send the money to your bank account or e-wallet.
**Take note**:
- Make sure na nakapag-KYC ka na sa platform na gagamitin mo if gagamit ka ng custodial wallet (Binance, OKX, Bybit, Bitget..)
- Make sure that you're only selling to a high rated and reputable p2p merchant.
- For **NON-CUSTODIAL WALLET** Make sure that you own a native coin that you can use for gas fees (ETH, BNB, SOL, SUI, AVAX, TRON, APTOS, etc..)
- Advantages of using a **NON-CUSTODIAL WALLET** your money can't be freeze.
- Advantages of using a **CUSTODIAL WALLET** you don't have to pay a network fee. you don't have to do the extra steps.
- Mas Liquid ang USDT kesa sa USDC you might want to consider swapping your USDC to USDT para mas maraming merchant and you can compare rates.
- Avoid using PDAX and Coinsph unless gusto mong malamangan ka nila sa taas ng fees nila.
**What I do**:
- I don't send all my money to my bank and e-wallet. Yung kailangan ko lang for cash payments and withdrawals.
- I have a cold wallet to store my assets.
- I use the Bitget Wallet App for online transactions (QRPH) and just use stablecoins as payment. Good thing meron ng GPay satin so that's another bonus since I can use my Crypto Cards and pay using stablecoins like USDT and USDC kapag sa mga groceries na may Tap to Pay. (Osave)
- My reason, Hassle mag off-ramp at may mga fees. Also binibili ko kasi ng crypto yung disposable income ko (investment money) then I borrow against it.

Questions here.
What do you guys do when you have a coin in BNB, USDT and want to buy real BTC? I buy BTC using BISQ.
Do you guys use a different DEX?
What are the good bridges to use?
What are the good websites to check the cheapest way to get when you want to do a “operation” (buy/sell)
Do we have a guide with the most famous (the bests) for Bridges, DEX, etc…?
Thank you for your help.

my first was BNB, now Solanaaaaaaa
best fundamentals to handle high volume defi, lots of upgrades coming too

best middle wear scene in crypto atm, that get the BEST out of blockchain performance without L2s or clunk

Thank you for the inspiration, I've changed my mind about my first investment and I'm buying cryptos, BNB and XRP .

#CaptainBNB the mascot created by BNB Chain, real community that works 24/7.
The biggest cult ever created won't stop, check it out, we're still burning tokens, we have the initials BNB in our name and the moon is closer than ever 🫡

CaptainBNB is carrying the BNB chain on its back. Named and created by BNB themselves. Build and grow through good and bad times. We actually get bigger and louder when markets are down. 🫡MFKRS

almost every alt, the few that have substantial usage have upward trending charts or are too choppy to be considered downtrends.
eg. ETH, BNB, TRX, SOL, HYPE, LINK,
Whether or not those outperform BTC depend on when you buy.

Every exchange wants money + tokens for a listing. These range from $10,000 (small exchanges like p2pb2b) to over a million (BNB, Coinbase etc). They only make exceptions and/or reductions for AAA VC invested coins like Sei, Monad etc.

Imagine you are a sovereign fund or an institution with deep pockets.

\- You cannot invest in privacy coins (ZEC, XMR) because the law doesn't allow it
\- You cannot invest in centralized coins (XRP, BNB, etc) because it has centralization risk
\- You cannot invest in DeFi lending protocol tokens because of protocol risks
\- You cannot invest in random memecoins because it's outright reckless

You are left with BTC, and perhaps ETH/SOL, but institutional financial optics don't allow you to invest in ETH/SOL without investing in BTC first.
BTC is King, and will remain King.

I have received Zether USD under BNB chain, in my Coinbase wallet. how can i convert and transfer this and it into my Binance account?
Ps i do not have a Coinbase account only Coinbase wallet i have.
Kindly please help me. 🙏🏽

Is it really so terrible to be jealous of BNB? Why are you triggered

I initially picked CRO instead of BNB because it was lower market cap and better name (crypto vs binance) when I was searching for cashback cards. Eventhough I have made gains, I feel disgusted by the handling of CRO. I was right in the fact that the company (cdc) has gained a lot of customer, but the success hasnt been projected into CRO. It's more like they are abusing the token in every possible way instead making the holders benefit from it.

BNB is like Binance’s stock. As long as Binance is doing well , BNB will be going up.

To be honest, most aren't...
Eth and BNB maybe, but realistically, you should be listening to benjamin cowen. There is no alt season for the feasible future.
Don't waste your money, just follow Ai Or btc