Many ordinary people only have two to three thousand in spare cash, unwilling to settle for the meager returns of savings and money market funds, wanting to enhance their wealth through a Web3 side job, yet afraid of being caught in the market's downturn. Currently, the core of the market is centered around two keywords: oscillation and bottoming, with liquidity continually tightening. To maintain capital in a deep bear market, this lightweight configuration approach is just right for small capital players.

First, clarify the current overall market environment: the benefits from the previous rounds of easing have completely ended, the Federal Reserve is maintaining high-interest rates for a long time, and it is difficult to expect a comprehensive bull market flooding the market with liquidity in the short term. The market will enter a prolonged bottoming phase. Most retail investors have been trapped and are lying flat and observing, but institutional funds have not stopped positioning; a large amount of capital continues to flow into the RWA track, and massive traditional off-market funds are entering the crypto market through this channel.

Now, the logic of institutional investment has long changed; they no longer blindly speculate on bubbles and instead focus on assets that can generate stable cash flow. Even Wall Street funds are inclined toward conservative and stable positioning; ordinary retail investors cannot rely on luck for blind speculation. The core idea for survival in a bear market is to clarify the boundaries:

❌ Eliminate full-margin betting and frequent short-term trading; repeated operations in an oscillating market will only continuously incur transaction fees.

✅ Do not completely exit the market; a bear market is a window period for strategically acquiring quality assets at low prices. The optimal plan is "steady income + incremental investment," using time to replace chips costs.

For 3,000 in small spare cash, sharing an adaptable 732 defense counterattack configuration model for ordinary people, this plan applies whether you have three thousand or several hundred thousand as your capital; the core priority is always to protect the principal before pursuing appreciation, and not to seek short-term high profits, focusing on solidifying risk lines in a bear market. The split allocation logic is: 70% stablecoin investment as a base, 25% incremental investment in the two core coins BTC and ETH, leaving only 5% for minimal positions in emerging tracks like RWA and AI. In a deep bear phase, most altcoins carry a high risk of going to zero; compressing speculative positions is the way to maximize the lifespan of the capital. By surviving longer in the market, there’s a greater chance of benefiting from the subsequent market dividends.

732 Allocation Execution Steps

1. Seventy percent of funds fortify the safety base: Buy all into USDT and deposit into a principal-protected financial product to continuously earn stable interest, resisting cash devaluation, serving as your financial stronghold, no matter how much the market falls, significant losses will not occur.

   

    

   

    

   

2. Twenty-five percent long-term incremental investment in core targets: Set up an automatic investment plan, making periodic purchases of BTC and ETH; when the major market drops sharply, the system will automatically buy at lower prices, acquiring chips at a discount and diluting the average holding cost.
3. 5% light positions in new tracks: Only use a small amount of capital that, if completely lost, would not affect living expenses, and follow institutional capital trends to invest in RWA targets like ONDO, treating it as a learning phase for trial and error while avoiding heavy exposure to risks.

Two clear signals to increase positions

Only when both of the following conditions are met is it appropriate to increase the positions in the track; until signals appear, maintain the existing configuration:

1. BTC price stabilizes above 65,000 USD and does not effectively drop below this price within a week;
2. ETH/BTC exchange rate continues to rise, indicating that funds are flowing from BTC to smaller tracks, initiating market activities in mid and small cap assets.

Comparing the outcomes of two types of retail investor operations demonstrates the advantages of this system: players who blindly engage in frequent manual trading entered at highs in the first quarter and panic-sold at lows in the second quarter, relinquishing their entire position at the bottom, leading to substantial capital shrinkage; users strictly executing the 732 configuration have their capital continuously earning interest, automatically buying at lower prices during crashes through incremental investing, unaffected by short-term fluctuations, perfectly avoiding the human weaknesses of chasing highs and cutting losses.

Basic Security Measures for the Platform

Before trading, be sure to implement account security protections, complete the KYC process, and enable Google two-factor authentication (2FA) to mitigate the risk of asset theft. Exclusive registration channel: https://jump.do/zh-Hans/xlink-proxy?id=3 Invitation code: aicoin668, enjoy a 10% rebate on transaction fees upon registration

Trading in a bear market is not about the speed of short-term profit but the ability to preserve principal. Mechanically executing the 732 incremental investment and income strategy, while restraining the impulse for frequent operations, is essential to wait for the next complete upswing cycle.

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