Long-term investment new strategy: Build your crypto asset income portfolio with Gate Finance

In the early morning crypto market, Bitcoin prices experienced slight fluctuations again, but seasoned investor Zhang Wei did not anxiously watch the K-line chart as he usually does. He logged into his Gate account to check the returns on his crypto assets distributed across savings, fixed-term, and structured products—despite market volatility, his assets continued to generate income. This is the sixth month he has been using Gate Wealth Management services to build a long-term investment portfolio, a strategy that has transformed him from a pure price speculator into a long-term planner of crypto assets.

Market Background

The crypto market has evolved from a pure trading venue into a mature field for long-term asset allocation by investors. As regulatory frameworks gradually improve and institutional investors continue to enter, more and more investors are seeking ways to earn additional income while holding crypto assets.

According to Gate market data, as of January 13, 2026, Bitcoin (BTC) prices fluctuate around $91,051. In this normalized volatility environment, relying solely on trading for profit not only requires expertise and time but also faces higher risks.

Long-term investors are facing a new choice: continue to leave assets idle in wallets waiting for appreciation, or use reasonable wealth management strategies to keep these assets “working,” generating additional income during the holding period.

Gate Wealth Management: Diversified Product Matrix

Gate Wealth Management offers diversified asset appreciation solutions centered around safety, flexibility, and high returns. Whether you are a conservative or aggressive investor, Gate Wealth Management provides matching product options.

Flexible savings allow users to deposit and withdraw freely, with daily settlement of returns, making it ideal for investors who need to mobilize funds at any time. For example, USDT flexible savings can offer an annualized yield of up to 6.8%. More importantly, Gate’s residual coin treasure flexible products support 24-hour subscription and redemption, with immediate到账 upon redemption.

Fixed-term products offer plans of 7 days, 30 days, and longer durations, with stable and predictable annualized returns. Gate has also launched VIP tiered yield mechanisms for high-net-worth users, where higher VIP levels mean higher yields. For instance, USDT 7-day fixed-term can reach an annualized yield of 12.55%, and for specific tokens like 0G, fixed-term products can offer annualized yields as high as 278% during promotional periods.

Innovative strategic products provide opportunities for users seeking higher yields to participate in DeFi, Layer liquidity mining, or project subscriptions to earn extra income. These products often collaborate with emerging projects, such as Syndicate Protocol (SYND). Users participating in its USDT 7-day fixed-term product can earn up to 15% annualized yield and additionally receive SYND token rewards.

Long-term Investors’ Wealth Management Portfolio Strategies

For long-term investors, building a balanced wealth management portfolio is crucial. Here are three configuration schemes based on different risk preferences for reference:

Conservative allocation (suitable for risk-averse investors): Focus on stablecoins, choose fixed-term products, and enjoy steady annualized returns. For example, GUSD stablecoin wealth management can yield up to 4.4% annually, while USDT flexible savings offers flexible income options. This configuration ensures assets continue to generate income even during market downturns, providing investors with stable cash flow.

Balanced allocation (suitable for investors with moderate risk tolerance): Combine mainstream digital assets and stablecoins through fixed-term and innovative strategic products to achieve a balance between returns and asset safety. For example, investors can allocate 40% of assets to BTC and ETH fixed-term products, 30% to stablecoin wealth management, and the remaining 30% to innovative strategy products. Data shows that BTC 7-day fixed-term yields an annualized return of 10.33%, and ETH 7-day fixed-term yields 11.90%.

Aggressive allocation (suitable for high-risk tolerance investors): Participate in high-yield innovative strategy products such as Layer liquidity mining, Gate Fun on-chain projects, or emerging DeFi assets, aiming for high potential returns. For example, Gate’s recent launch of 0G token fixed-term products offers up to 278% annualized yield during promotional periods, with an additional issuance of 850,000 0G tokens as rewards.

Dynamic Adjustment and Market Cycles

Long-term investing is not static; adjusting wealth management portfolios according to market cycles is a key strategy to enhance returns.

During bullish cycles, appropriately increase fixed-term allocations in mainstream assets and focus on high-yield opportunities in emerging projects. For example, when Bitcoin prices trend upward (some analysts believe Bitcoin could reach $40,000 in 2026), some profits can be reinvested into wealth management to realize compound interest effects.

In market corrections or sideways cycles, increase the proportion of stablecoins and flexible savings to maintain liquidity and wait for better investment opportunities. This strategy is especially suitable given current market conditions, as some analyses suggest the crypto market is in a relatively balanced state.

Additionally, investors can pay attention to Gate’s periodic wealth management activities, such as the Residual Coin Wealth Management Carnival, where completing tasks earns “Residual Points” that can be exchanged for interest rate coupons, VIP experience cards, and other rewards.

Security and Risk Control

In the digital asset wealth management field, security and risk control capabilities are the core concerns of users.

Gate employs multiple measures to safeguard user funds. All wealth management product funds are used only for low-risk quantitative strategies or DeFi liquidity provision, avoiding leverage operations, further ensuring fund safety.

The platform also has a community guarantee fund aimed at enhancing overall platform security and preventing system vulnerabilities, scams, illegal activities, and other emergencies.

Moreover, Gate conducts regular reserve proof audits, ensuring all user assets are backed by at least 1:1 full reserves, fully verifying platform robustness. Users can also enhance account security through features like two-factor authentication and withdrawal address whitelists.

Practical Operation Guide

For users trying Gate Wealth Management for the first time, the following simple steps can be followed:

First, log into your Gate account and go to 【Wealth Management】-【Residual Coin】 page. Then, select the appropriate product type (flexible or fixed-term) based on your risk preference and fund plan. Next, enter the subscription amount and confirm the investment.

For fixed-term products, you can claim the wealth management income after the lock-up period ends. Some promotional products also offer additional rewards, which can be viewed in 【Wealth Management Records】-【Fixed-term】-【Additional Rewards】.

It is worth noting that Gate has recently launched an industry-exclusive instant redemption feature for fixed-term products, breaking the bottleneck of poor liquidity in fixed-term wealth management. This solves the liquidity concern of long-term investors, allowing funds to be quickly liquidated in emergencies.

One afternoon, Zhang Wei re-evaluated his Gate wealth management portfolio. Market data shows Ethereum’s price hovers around $4,500, and the income he earned from ETH fixed-term wealth management has already exceeded 8% of his total account assets. He transferred part of the earnings into flexible savings for liquidity, and also subscribed to newly launched high-yield products. His crypto assets are no longer cold numbers but have formed a stable income-generating asset network through Gate’s strategic combination, with each part contributing to the overall value growth on different levels.