This is interesting, I'm new to all this and just learning, but it sounds like basic investment advice you get signing up for a 401(k) at a 9-5: riskier funds for younger people who are going to hopefully leave their account alone for fifty years and so can ride waves, and less risky funds for people close to retirement (or with weak stomachs) who won't get as good returns.
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I honestly don't think it will take fifty years for crypto to skyrocket though!
I don't know about the 401k's... we have a different system here in Holland! Generally I consider 'hodling' to be safer than trading in the short term and trying to take profits!
It's just trading on the stock market, in a fund that is managed by whoever the company hires to do so. They tell the younger employees to choose the riskier fund which will fluctuate because they have time to ride it out, basically, whereas if someone was due to retire but right before there was a crash ...you get the idea.
But I agree, I doubt crypto would take so long!