How to invest in Bitcoin with a monthly salary of NT$35,000?
A Fresh Look at Bitcoin: The Starting Point of Your Investment Strategy
What is Bitcoin?
Bitcoin (BTC) is a decentralized digital currency created in 2008 by an anonymous developer known as Satoshi Nakamoto.
Unlike traditional financial transactions that rely on banks or central institutions, Bitcoin operates on a decentralized system. This eliminates the need for central control, offering greater security and privacy in transactions.
Why are more and more investors starting to pay attention to Bitcoin?
Due to its scarcity, Bitcoin is often referred to as "digital gold," playing the role of an inflation hedge and safe-haven asset in modern portfolios.
As blockchain technology gains market recognition and Bitcoin's limited supply remains fixed, its price has shown a steady upward trend.
According to statistics, Bitcoin's annualized return over the past decade has reached 38.74%, outperforming major stock indices in both the United States and Taiwan.
Advantages of Bitcoin
High Annualized Returns: Looking back ten years from June 13, 2025, Bitcoin’s annualized return reached an impressive 82%, significantly outperforming traditional financial markets. This has made it a key reference point for many long-term investors when developing their Bitcoin investment strategies.
Scarcity: With a capped total supply, Bitcoin avoids the inflation risks associated with excessive issuance of fiat currencies.
Global Accessibility: Bitcoin is not bound by geography. As long as there is internet access, users anywhere in the world can transact through the blockchain.
Risks of Bitcoin
High Price Volatility: Bitcoin’s price is easily influenced by international policies, regulations, and community sentiment, and it has no limits on price fluctuations. Therefore, risk management and capital allocation must be carefully considered when designing a Bitcoin investment strategy.
Limited Use Cases: The scenarios where Bitcoin can be directly used to purchase goods or services remain limited, resulting in relatively low liquidity for everyday transactions.
Security Risks: Bitcoin transactions rely on digital wallets for asset storage. If a wallet is hacked or private keys are lost, the assets become irretrievable. Additionally, some exchanges in the market lack robust regulatory oversight, posing potential risks of theft or fraud.
Assessing Your Investment Profile: What Type of Investor Are You?
Whether you aim for long-term steady growth or want to seize market swings,
whether investing in Bitcoin is for asset diversification or pursuing high returns,
having a clear investment goal and risk tolerance assessment is the first step to developing an effective Bitcoin investment strategy.
What is your investment goal?
1. Long-term Investor
Core Objective: Retirement planning and achieving financial freedom.
Long-term investors are often called "HODLers." They value Bitcoin as an emerging asset class with long-term potential, believing its underlying blockchain technology and decentralized nature will continue to mature over years or even decades. Their investment mindset resembles that of a "value investor."
The core Bitcoin investment strategy for long-term investors includes:
Time in the Market Over Timing the Market:
They believe that "time in the market" is far more important than "timing the market." Their goal is to hold through at least one full bull and bear cycle (usually over 4 years), thereby riding out short-term market noise.
• Dollar-Cost Averaging (DCA):
This is the most practical tool for long-term investors. Regardless of market ups and downs, they invest a fixed amount monthly or weekly. This disciplined and continuous approach effectively averages out costs and prevents emotional mistakes driven by fear or greed. For salaried workers, this is the least painful and most effective Bitcoin investment strategy.
• Passive Investment Focused on One’s Main Career:
They don’t watch the market daily or get anxious over short-term crashes. Instead, significant market pullbacks are seen as “discount seasons” to accumulate assets at lower costs. They focus their main energy on their work and life, letting time be their best ally.
Risks and Challenges:
Strong Psychological Resilience:
Maintaining conviction and continued investment during volatile price swings is a significant test of human nature.
Long-Term Asset Security:
Holding assets long-term means prioritizing security, including learning to use "cold wallets" to store assets safely. This is an indispensable part of this Bitcoin investment strategy.
2. Short-to-Mid-term Trader
Core Objective: To profit from market fluctuations within a specific time frame—hours, days, or months—pursuing short-term high returns.
Short to medium-term traders are more like "market participants." They actively analyze the market, trying to predict the next price movements. They view Bitcoin as a highly volatile trading asset, aiming to accumulate profits by buying low and selling high or selling high and buying low in the short term.
The core Bitcoin investment strategies for short- to medium-term traders include:
- Technical Analysis and Market Sentiment:
They heavily rely on charts, candlesticks, trading volume, RSI, MACD, and other technical indicators to time entries and exits. At the same time, they closely monitor market news, community sentiment, and macroeconomic factors such as Federal Reserve policies.
- Swing Trading:
This is the most common strategy—buying near the bottom of an upward trend and selling at the peak or upon reversal signals to capture the profit from one market swing.
- Strict Risk Management:
For short-term Bitcoin trading, risk control is more important than prediction. Traders must set clear stop-loss and take-profit points and decisively execute trades once these levels are reached, strictly adhering to their rules.
Risks and Challenges:
- Extremely High Risk and Pressure: Market prediction is highly difficult; a single wrong call can cause losses. Frequent trading can bring enormous psychological stress.
- Significant Time Commitment: Requires investing substantial time learning, monitoring charts, and researching market information, making it hard to balance for salaried workers focused on their main job.
- Not Suitable for Beginners: Without sufficient knowledge and experience, newcomers risk becoming "chopped" by more experienced traders.
How to assess your risk tolerance?
1. Age
Youth (Ages 20–35)
At this stage, risk tolerance is highest. With a long time until retirement, even if investments incur losses, there is ample time to wait for the market to recover. Therefore, Bitcoin investment strategies can afford to allocate a higher proportion of funds to high-return assets like Bitcoin.
Recommended asset allocation for youth:
Approximately 20% conservative assets and 80% growth-oriented assets.
Middle Age (Ages 36–45)
Investors in this phase often face financial pressures such as mortgages, car loans, or family expenses. As a result, the proportion allocated to growth assets typically decreases. Bitcoin investment strategies should lean toward a more balanced approach, treating Bitcoin as part of the overall portfolio for diversification or additional growth, but not occupying too large a share.
Recommended asset allocation for middle age:
Approximately 50% conservative assets and 50% growth-oriented assets.
Older Age (46 and above)
Investors usually begin retirement planning at this stage, focusing primarily on capital preservation and seeking modest, stable returns. The goal is to avoid exhausting funds over the coming decades. Therefore, the Bitcoin allocation in investment strategies for this stage should be minimized.
Recommended asset allocation for older age:
Approximately 80% conservative assets and 20% growth-oriented assets.
2. Financial Situation
Is your disposable income stable?
A steady monthly cash flow (such as a salary) allows you to invest in Bitcoin using a dollar-cost averaging approach, smoothing out market volatility.
If your income is unstable, you should reduce the investment proportion to avoid impacting your essential living expenses.
Recommendation: Only allocate the portion of your disposable income that does not affect your quality of life.
Have you prepared an emergency fund?
Before investing in Bitcoin, it is advisable to set aside at least 3 to 6 months’ worth of living expenses as an emergency fund. This way, regardless of market fluctuations, you can hold your position with peace of mind without being forced to sell due to unexpected circumstances.
Recommendation: Bitcoin investment strategies should be built on a solid financial safety net, forming part of a medium- to long-term portfolio allocation.
Can someone with a monthly salary of NT$35,000 invest in Bitcoin? If so, how much should they invest?
With a monthly salary of NT$35,000, you can definitely invest in Bitcoin, provided you have a sound financial strategy. Young people just entering the workforce often face the reality of “low income but high expenses.” In such cases, a reasonable fund allocation method is especially important, and the 631 rule is an excellent starting point for beginners.
631 Rule: Suitable for those whose living expenses take up a large portion of their salary
- 60%: Living expenses (rent, transportation, food, etc.)
- 30%: Savings
- 10%: Risk reserve (e.g., medical expenses)
Based on the expense breakdown, if a young person rents, the 60% allocated for living expenses can be tight.
Total living expenses: NT$24,000
Remaining amount: NT$11,000
Allocated to savings and risk reserve: approximately NT$8,500 and NT$2,500 respectively
Following the earlier mentioned youth Bitcoin investment strategy, about 80% of the savings can be allocated to growth assets like Bitcoin, which amounts to roughly NT$6,800
Dollar-cost averaging example:
If you consistently invest NT$4,500 per month into Bitcoin for 4 years, your total investment will be:
4,500 × 12 × 4 = NT$216,000
Assuming Bitcoin’s past 4-year (2021-2024) annualized return of approximately 181.6%, the final investment return:
Final value: ~NT$599,210
Investment gain: ~NT$383,210
A monthly salary of NT$35,000 is not a barrier to investing in Bitcoin. With clear fund allocation, risk awareness, a financial framework like the 631 rule, and a dollar-cost averaging Bitcoin investment strategy, you can steadily seize growth opportunities in digital assets.
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Investing in virtual assets carries risks related to price volatility and liquidity. The above content is for reference only and does not constitute any financial advice. Please carefully assess your financial situation before investing and be cautious of potential fraud.
