According to Mint reports, retail investors should adopt a disciplined approach to crypto investing, focusing on regular, systematic investments rather than speculative trading. Sumit Gupta, Co-Founder at CoinDCX, advises that investors should "accumulate with conviction, not noise" and invest regularly whether weekly or monthly to reduce market volatility impact. The strategy emphasizes investing in quality assets with real use cases, institutional support, and favorable regulations, rather than speculative meme tokens that have largely faded from top-tier rankings.
As reported by Mint, a 2-5% portfolio allocation to crypto represents a sensible starting point for most retail investors. For investors with deeper understanding of Bitcoin and blockchain technology, 5-10% allocation may be appropriate. Bitcoin should remain the core holding within this allocation, with additional exposure limited to large-cap crypto assets that demonstrate real-world use cases and institutional adoption. The framework ensures meaningful exposure while keeping overall portfolio risk under control.
According to Mint reports, Indian investor behavior toward crypto has undergone significant transformation over the past two to three years. Earlier investments were driven by short-term trends and meme coin hype, but current behavior reflects greater maturity and discipline. Investors now focus on Bitcoin and large-cap assets with strong use cases and institutional support, demonstrating improved patience by staying invested during market volatility rather than selling in panic. SIP-style investing in crypto is becoming increasingly popular among Indian retail investors, similar to how mutual fund SIPs gained acceptance over time.
As reported by Mint, the conversation among investors has evolved from speculating about which token will 10x to focusing on portfolio allocation and sizing. Sumit Gupta emphasizes that a disciplined allocation should be meaningful enough to matter but small enough not to destabilize a broader portfolio. This behavioral change represents a meaningful maturation in how Indian investors approach digital assets, moving away from speculative trading toward systematic, long-term investment strategies.
The tokenized Real-World Assets (RWAs) market presents significant growth opportunities, with the global market valued at $297.71 billion in 2024 and projected to reach $9.43 trillion by 2030, representing a compound annual growth rate of 72.8% from 2025-2030. This exponential growth is driven by institutional participation, with State Street Corporation reporting in October 2025 that digital assets comprised 7% of their portfolios, with a goal to increase this to 16%, including a 2-5% allocation to Bitcoin. Major exchanges are responding to this trend, with Nasdaq partnering with Kraken to launch tokenized equities by H1 2027, leveraging Kraken's established xStocks framework that has already processed over $20 billion in cumulative trading volume since its June 2025 launch.
