Crypto expert advises against perfect timing (cross-border guide)

Context

In brief

• Investing in cryptocurrencies without seeking the perfect timing
• Average cost entry strategy to reduce risk
• Bitcoin, Ethereum, and Solana among the main choices

Key facts

• What: Cryptocurrency investment strategy
• When: After the October 2025 crash
• Where: Interview published on Cash
• Who: Mathias Imbach, CEO of Sygnum Bank
• Amount: Cryptocurrency share in the portfolio between 2% and 20%

After the October 2025 crash, many investors wonder if and when to return to cryptocurrencies. Mathias Imbach, CEO of Sygnum Bank, advises not to seek the perfect timing but to follow simple rules in a disciplined manner. This approach is fundamental for those who want to invest in cryptocurrencies without suffering from market volatility.

Investment strategy

Imbach warns that those who cannot handle the volatility of cryptocurrencies should refrain from investing. For those with broad shoulders, it is important to formulate an investment strategy and implement it consistently. One of the recommended strategies is the average cost entry, which consists of regularly investing fixed amounts in cryptocurrencies, similar to a fund accumulation plan.

With constant amounts, investors buy more shares when prices are low and fewer when they are high. This can smooth the entry price and reduce the risk of an unfavorable purchase moment. Imbach emphasizes that such a moment is irrelevant if one thinks of a five-year and longer time horizon.

Portfolio composition

On the composition of the crypto portfolio, Imbach has no doubts. According to him, it is important to start with Bitcoin, follow with Ethereum, and, if one wants to push a bit further on the risk curve, consider Solana. The expert reiterates that staying in the market is better than trying to predict market trends.

…

Operational details

Implications for cross-border workers

For cross-border workers who work in Switzerland and live in Italy, investing in cryptocurrencies can be an interesting option to diversify their portfolio. However, it's important to consider the market volatility and their own risk tolerance.

Comparison with the previous situation

Before the crash of October 2025, many investors were more optimistic about cryptocurrencies. Now, after the crash, it's important to adopt a more cautious and disciplined approach. Dollar-cost averaging can be a useful strategy to reduce risk and smooth out the entry price.

Concrete scenarios

Suppose a cross-border worker wants to invest 100 CHF per month in cryptocurrencies. With dollar-cost averaging, they could buy more shares when prices are low and fewer when they are high. This approach can help reduce the risk of buying at an unfavorable time and achieve a more favorable average entry price.

Concrete procedures

To start investing in cryptocurrencies, a cross-border worker should: 1. Assess their risk tolerance 2. Choose an investment strategy, such as dollar-cost averaging 3. Select the cryptocurrencies to include in the portfolio, such as Bitcoin, Ethereum, and Solana 4. Regularly monitor the portfolio and adjust the strategy if necessary

Comparison with other investment options

Compared to other investment options, such as stocks or mutual funds, cryptocurrencies offer a higher potential return, but also a higher risk. It's important to carefully consider their risk tolerance and diversify the portfolio to reduce overall risk.

Useful tools to protect your net income

To reduce FX leakage, compare CHF-EUR exchange options and banks for cross-border workers.

Key points

Concrete actions for cross-border workers

For cross-border workers interested in investing in cryptocurrencies, it's important to follow a disciplined and consistent strategy. Here are some concrete steps to follow:

1. Assess risk tolerance: Before investing, it's crucial to assess your risk tolerance. Cryptocurrencies are known for their volatility, so it's important to be aware of the risks involved. 2. Choose an investment strategy: A dollar-cost averaging strategy can be useful for reducing risk and smoothing the entry price. This strategy involves regularly investing fixed amounts in cryptocurrencies, regardless of market performance. 3. Select cryptocurrencies: Imbach recommends starting with Bitcoin, followed by Ethereum, and if you want to take a bit more risk, consider Solana. It's important to do thorough research on cryptocurrencies before investing. 4. Monitor the portfolio: It's important to regularly monitor the portfolio and adjust the strategy if necessary. This can help maximize returns and reduce risk.

Useful tools

For cross-border workers interested in investing in cryptocurrencies, there are several useful tools available. For example, the investment calculator can help estimate potential returns and plan the investment strategy. Additionally, the cryptocurrency comparator can help compare different investment options and select those most suited to your needs.

Conclusion

Investing in cryptocurrencies can be an interesting option for cross-border workers looking to diversify their portfolio. However, it's important to adopt a cautious and disciplined approach, assess your risk tolerance, and follow a consistent investment strategy. By using the right tools and regularly monitoring the portfolio, cross-border workers can maximize returns and reduce risk.

…