Most crypto investors still follow the traditional approach of buying and holding, hoping their assets will increase in value over time. The truth is, achieving higher chances of profitability often requires more than just holding onto investments, as smart money relies on strategic approaches and informed decisions.
Novice investors have long favored HODL strategies, but a more advanced approach focuses on methodology and diversification to outperform the crypto market in any cycle. Modern systems utilize algorithmic trading to minimize risks, effectively converting market volatility into consistent and profitable opportunities.
These are not intricate day trading strategies but simple mathematical models designed to deliver consistent gains, reduce risk, and remain accessible to investors of all levels.
The Limits of HODL: Why Passive Holding Often Falls Short
Recent data suggest that long-term HODLing is beneficial for investors, yielding an average return of up to 10% over 30 years. This strategy provides incremental revenue for experienced investors who are able to navigate emotional spikes driven by black swan events, market volatility, or bull/bear cycles. New and inexperienced investors are more likely to trade rather than simply hold their assets, and even experienced day traders often lose, with only 4% of traders actively making a living from trading.
A drawback of actively holding is that capital remains tied up and inaccessible for a prolonged period. Long-term holding means accessing returns only in the future, which restricts access to recurring income.
While HODLing is a safe strategy, it can create emotional stress, as portfolio swings, especially in crypto, can swing by 30% or more in a single day. As a result, traders often make poor decisions during market extremes, such as selling at low points and buying at high peaks.
What Smart Money Looks Like Today
Smart money in trading relies heavily on automation and mathematical models to perform trading. Automated execution provides traders with a slight edge over manual trading, which is typically sufficient to secure better positions during price swings as they respond to measurable patterns and statistical probabilities.
In today’s world, high-volume traders, who comprise 4% of active day traders who are profitable, rely on emotional detachment and volume trading with smaller profit margins. A 0.5% gain repeated consistently and without error across multiple timeframes can compound into substantial returns.
One major advantage of Yieldfund is its use of math-based models that operate independently of market direction, delivering consistent results in any market environment. Yieldfund empowers investors by providing the tools and resources needed to enter the world of crypto with ease. Automating crypto trading and eliminating the need for external trader intervention ensures a seamless and efficient investment experience.
Retail Investor’s Biggest Barriers to Success
Most retail investors face significant obstacles that prevent them from accessing high-yield returns. This often results in lower trading performance compared to what quantitative trading companies like Yieldfund provide, leading to impulsive and emotional trading as a means of compensating for the losses.
New users who seek performance without understanding trading algorithms face a critical barrier. Quant trading requires an understanding of market mechanisms, statistical analysis, and algorithm development, with few investors having the skills to deploy a profitable algorithm fully.
What’s more is that institutional-grade trading tools are secluded from mass adoption. They remain exclusive to qualified investors and require a higher initial investment than most retail investors can afford. To that end, such platforms are generally outside the reach of most investors.
Quantitative Strategies That Target 48-60% Annual Returns
Yieldfund, a Dutch quantitative trading company, offers investment opportunities in its proprietary quantitative trading models that consistently outperform the market. Yieldfund delivers annual returns between 48% and 60%, focusing on high-frequency trading across the top 10 cryptocurrencies by market capitalization, while providing investors with investment plans tailored to their needs.
Since 2024, Yieldfund’s approach has generated a 93% success rate on individual trades, contributing to an annual profit of 148% for investors. Smart money that relied on Yieldfund in 2025 averaged a weekly return of +2.85% through a quantitative trading system capable of generating returns independently of broader market trends.
Yieldfund, a Dutch trading company, has developed quantitative models that consistently deliver annual returns between 48% and 60%. Their approach centers on high-frequency trading across the top 10 cryptocurrencies by market capitalization.
Smart Approach: One-Time Entry and Set-and-Forget Plans
Rather than requiring consistent trading and a hands-on approach in monitoring trades and reacting to market dynamics, Yieldfund operates through simple investment plans with predetermined terms and results. The upside for new or experienced investors is the automation process, which requires no market analysis, trade execution, or extensive knowledge of crypto and trading markets.
Yieldfund offers three investment options, starting with a minimum investment of €10,000, which is significantly lower than traditional investment minimums, while still providing access to the same trading features. Investment plans consist of three options: one-year plans with 36% annual returns, two-year plans at 48%, or three-year plans with 60% annual returns.
Weekly returns arrive automatically in investors’ USDC wallets every Monday. This regular income stream offers liquidity advantages over traditional HODLing, as the underlying algorithm continues to operate. At the end of each plan, investors receive their initial capital repayment in full.
Yieldfund represents a fundamental shift in how HODL strategies compare to trading, dismissing the gap between institutional tools and retail available features. By focusing on trading transparency (publicly disclosing their daily trades), having a dedicated customer relations manager available 5 days a week, and making information readily available on each customer, Yieldfund creates a new paradigm for crypto investing.
For investors seeking crypto exposure without the complexity of active trading, quantitative trading companies like Yieldfund’s offer a compelling alternative to simple HODLing. Smart money isn’t about having access to secret information or perfect market timing, but rather about using systematic approaches that turn market volatility into consistent profits.
