The new philosophy for "lazy" holders: During market fluctuations, let Gate Earn and automatic investing generate passive income for you.

As market volatility intensifies, many investors are seeking hassle-free and efficient ways to grow their assets. Take Gate as an example; its native platform token GateToken (GT) is currently priced at $9.74, with a market capitalization of $977.49M, becoming an important value medium within the ecosystem.

Cryptocurrency trading does not always require constant monitoring of market screens. A strategy known as the “Lazy Holding Method” is quietly gaining popularity among investors. The core of this approach is to utilize automation tools to maintain asset liquidity while achieving continuous passive income. Whether you are a novice just entering the crypto space or a seasoned holder aiming to optimize capital efficiency, you can set up simple automated processes to keep your assets steadily growing amid market fluctuations.

Market Background: The Demand for Automated Wealth Management in Volatile Times

Recently, the cryptocurrency market has experienced significant fluctuations, with Bitcoin’s price falling below the key psychological level of $90,000, briefly touching around $88,200. Bitcoin’s market cap reached $1.84T, with a market share of 56.42%, but short-term adjustments remain unavoidable. This market environment highlights the value of automated, low-intervention wealth management strategies. When the risks and pressures of active trading increase, allocating part of assets to automated earning products becomes a rational risk-diversification choice.

Ethereum is currently priced at $2,965.07, with a market cap of $387.58B, and is similarly affected by overall market volatility. When volatility intensifies, investors often seek more stable sources of income rather than relying on short-term price swings for profit. Automated wealth management solutions precisely meet this need by presetting rules and stable income mechanisms, reducing emotional decision-making, and providing a relatively certain profit path amid market ups and downs.

Gate YuBiBao: The “Yu’e Bao” Solution for Crypto Assets

On the Gate platform, YuBiBao plays a role similar to the traditional financial product “Yu’e Bao.” It is a flexible savings tool that allows users to deposit idle cryptocurrencies to earn stable daily returns. Unlike traditional savings accounts, YuBiBao supports multiple mainstream cryptocurrencies, including BTC, ETH, USDT, and more. Users do not need to lock assets and can access their funds at any time, maintaining liquidity while earning yields.

Recently, Gate YuBiBao launched various limited-time promotional activities, attracting many users’ attention. For example, a limited-time benefit event for USDT wealth management offers new users the chance to enjoy up to 100% annualized returns. Besides high yields, these activities feature rich reward mechanisms. Users who complete designated tasks, such as net recharging a certain amount of USDT, can win physical rewards ranging from interest coupons to a whole box of Feitian Moutai. For regions where delivery is not possible, rewards are issued in equivalent USDT.

Automated Investment: Building Personalized DCA Strategies

The automated investment feature is another core component of the “Lazy Holding Method.” Unlike the flexible savings of YuBiBao, automated investment functions more like an intelligent dollar-cost averaging (DCA) system, allowing users to set rules for periodic, fixed-amount purchases of specified cryptocurrencies. Users can customize investment frequency (daily, weekly, or monthly), investment amount, and target assets. The system automatically executes purchase operations at set times without manual intervention. This approach is especially suitable for investors who wish to hold cryptocurrencies long-term but prefer not to time the market.

By integrating market data, automated investment strategies can effectively smooth out the impact of market fluctuations. For example, despite recent price corrections, long-term holders who invest regularly often achieve more stable returns than a one-time lump sum. Automation not only simplifies operations but also cultivates disciplined investing habits. It eliminates emotional interference in decision-making and ensures strict adherence to investment plans.

Reinvestment Cycle Mode: When YuBiBao Meets Automated Investment

The true essence of the “Lazy Holding Method” lies in organically combining YuBiBao with automated investment to form a cyclical wealth growth flywheel. This cycle involves three key steps:

First, deposit idle funds into YuBiBao to earn daily returns; second, use the automated investment feature to periodically convert part of the earnings into long-term promising crypto assets; third, deposit these newly acquired assets back into YuBiBao to continue generating income. Taking GateToken (GT) as an example, users can set a portion of USDT earnings from YuBiBao to be automatically used to purchase GT tokens regularly, then reinvest the newly bought GT into YuBiBao for earning. This creates a closed loop of savings, investment, and reinvestment.

Gate’s recent launch of the OWL 30-day fixed-term wealth management activity exemplifies this cyclical mode. Users can allocate part of their funds to such fixed-term products to earn higher yields (e.g., the 200% annualized return promised by OWL products), while maintaining liquidity for other funds.

Practical Strategies: Adjusting Allocation Ratios Based on Market Conditions

When implementing the “Lazy Holding Method,” it is not advisable to adopt a fixed, unchanging approach. Instead, adjust the proportions of funds allocated to YuBiBao and automated investment according to market conditions.

In times of increased volatility or uncertainty, it may be prudent to increase the proportion of funds in YuBiBao to secure stable income. When market trends are clearer or valuations are relatively reasonable, increasing the automated investment proportion can help accumulate more assets. For example, based on current market data, Bitcoin has changed by -4.08% in the past 24 hours, and Ethereum by -7.10%. Under such conditions, it might be more suitable to increase allocation to YuBiBao to obtain stable yields while waiting for clearer investment opportunities.

Users can also utilize various wealth management products on the Gate platform for diversified allocation. For instance, allocate some funds to high-yield limited-time activity products (like OWL fixed-term wealth management), some to flexible-access YuBiBao products, and the rest to automated investment plans.

Risk Reminder: Automation Does Not Mean Risk-Free

Although the “Lazy Holding Method” emphasizes automation and convenience, users must be aware of the associated risks. The crypto asset market inherently carries high risks, and no wealth management product can guarantee absolute returns. Changes in market environment, policy adjustments, and macroeconomic factors can all impact the yields of wealth management products. For example, while Gate YuBiBao offers various limited-time high-yield activities, these yields are based on specific conditions and are sometimes time-limited.

Users should diversify assets reasonably and avoid over-concentration in a single product or strategy. It is also crucial to understand the specific rules, lock-up periods, and redemption conditions of each product. For example, some fixed-term wealth management products may require funds to be locked for a certain period, and early redemption might not yield the promised returns. The Gate platform explicitly prohibits multiple accounts or sub-accounts from participating in activities; violations will result in disqualification. Users in restricted regions such as the UK may not participate in certain activities, so they should verify their eligibility.

Market data shows that GateToken (GT) is circulating within the ecosystem at a price of $9.74. The automated investment plan is quietly converting USDT earnings into GT tokens, which are then re-entered into YuBiBao’s earning queue. The entire process operates like a precise clockwork, and as an investor, you might be at this moment stepping back from the anxiety caused by market fluctuations.