Conservative to Aggressive: 3 Earn Portfolios to Put Your Idle Funds to Work

1. Background and Investment Rationale

Yields in the global bond market are currently rising significantly, with US 10-year and 30-year Treasury yields approaching 4.7% and 5.3%, respectively—near 20-year highs. Meanwhile, the crypto market is consolidating, following a correction, with Bitcoin trading within the US$60,000–US$70,000 range, while overall risk appetite is constrained by high interest rates. In a volatile market, users seek more balanced investment portfolios.

Under UEX’s broader strategy, Bitget is onboarding more asset types while also developing a wider range of portfolio choices. The investment rationale behind Bitget Earn is to benchmark against the higher coupons available in bonds, providing a stable core allocation through Simple Earn and Cash plus, while using ETFs, leveraged enhancement, FCN and Dual Investment to capture structural opportunities in the crypto market, thereby balancing returns and risk.

2. Core Earn product Matrix

3. Recommended Earn portfolios

3.1. Conservative:

• Target user profile: Users with a low risk appetite who are willing to accept modest volatility for potentially higher returns.

• User pain point: Low APRs on USDT/USDC Simple Earn products and a desire for relatively stable, higher returns.

• Recommended portfolio: Steady U.S. stock portfolio

  • Portfolio highlight: 80% for stable yield and 20% for long-term U.S. stock market upside—a solid foundation with room for growth.

  • Allocation: 80% in stable assets + 20% in U.S. stock indices. USDGO and Cash Plus provide liquidity and stable returns, while a smaller allocation to rSPY/rQQQ provides exposure to long-term U.S. stock market growth without requiring active market timing.

• Expected return reference:

• Risk disclosure: USDGO and Cash Plus yields may fluctuate with market interest rates and are not fixed. rETF is an on-chain product that tracks U.S. stock indices, and its price fluctuates with the U.S. stock market.

3.2. Balanced:

• Target user profile: VIPs with some investing experience who understand the basics of structured products and want exposure to Web3 ecosystem growth and U.S. stock market opportunities.

• User pain point: Unsure how to balance risk and return while avoiding missing out on airdrops or potential bull-market gains.

• Recommended portfolio: Crypto + U.S. stocks

• Portfolio highlight: Capture ecosystem rewards while gaining exposure to U.S. stock growth, with multiple sources of potential return even in range-bound markets.

• Allocation: 50% U.S. stocks + 30% crypto + 20% flexible reserves. Use BGBTC to capture airdrop rewards; use FCN to build U.S. stock positions at lower prices while earning coupon income in range-bound markets; and maintain Cash Plus holdings as a flexible reserve for market volatility.

• Expected return reference:

• Risk disclosure: FCN is a non-principal-protected structured product. If the underlying asset hits the strike price at maturity, the principal will be converted into the corresponding stock at the preset price, and the resulting position value may be lower than the original principal. BGBTC/BGSOL may experience significant price volatility and carry smart contract and depegging risks. rETF is an on-chain product that tracks a U.S. stock index, and its price fluctuates with the U.S. stock market. Cash Plus yields may fluctuate with market interest rates and are not fixed.

3.3. Aggressive:

• Target user profile: High-net-worth, risk-tolerant investors with a strong understanding of structured products and leverage.

• User pain point: Low capital efficiency on idle funds and a desire to generate higher potential returns from structured products in range-bound markets.

• Recommended portfolio: High-yield structured products

• Portfolio highlight: Turn market volatility into yield with structured products, combining yield generation with strategic market positioning.

• Allocation: 70% high-yield structured products + 20% leveraged strategies + 10% flexible reserve. FCN and Stock Dual Investment generate high yields, while USDGO looping strategies use leverage to amplify returns. Cash Plus serves as a flexible reserve that can be transferred when needed, helping maximize overall capital efficiency.

• Expected return reference:

• Risk disclosure: Stock Dual Investment and FCN are non-principal-protected structured products. Depending on the underlying asset price and settlement conditions at maturity, the principal may be converted into the corresponding stock at the preset price, and the resulting position value may be lower than the original principal. USDGO looping strategies involve leverage, and sharp market movements may result in liquidation if margin becomes insufficient, potentially resulting in greater-than-expected losses. Cash Plus yields may fluctuate with market interest rates and are not fixed.