Crypto and US stocks are not reliable diversifiers for each other. Here is the uncomfortable 10-year data:
- BTC vs S&P 500 correlation: ~0.19 (long-run, USD weekly returns)
- But in all five S&P 500 drawdowns of 10%+ since 2016, BTC fell 21-58%
- 2026 90-day correlation: 45-60% - yet BTC is down 16% YTD while the S&P is up 10%
Correlation is regime-dependent: low in calm markets, it spikes in crises. And crypto-internal correlation is far higher (ETH-BTC ~0.81), so buying more coins is not diversification.
The guide gives you a one-page allocation framework - conservative / balanced / aggressive tiers - plus how to build the US-stock leg with tokenized stocks (Binance bStocks) via USDC: sector spread, DCA, automatic dividend reinvestment, and rebalancing triggers (when to rebalance, and the cheaper way to do it with new capital).
Also useful: bStocks DCA deep-dive
