Saving up to 1 million, do I really need to put it all into USDT to earn interest? My idea is different. Passive earning sounds comfortable, but large capital strategies have never been this simple. Growth comes from structured active management, not just relying on the small returns from interest.

First, let me explain why you can't just earn interest. The annualized yield of USDT seems stable, but inflation is quietly eroding your purchasing power. Exchanges themselves also carry risks. More painfully, if your funds sit idle for a long time, you'll have to watch market opportunities slip away. True wealth appreciation requires moving money within a reasonable framework.

I use a three-layer position allocation method. Divide the funds into three parts, balancing stability and offense.

**First layer is the stable bottom layer, allocating 20% of the funds.** This portion is placed in USDT savings, exchange subsidies, or mainstream coin staking products, aiming for an annualized return of 5%-10%. Don't underestimate this layer; it's not for high yields but to provide psychological reassurance. With this stable foundation, you won't need to make frequent reckless moves out of anxiety.

**Second layer is the main operational layer, accounting for 50%.** Focused on high-probability opportunities—such as arbitrage of price differences across exchanges or tracking certain coins' swing trading. In practice, when a coin pulls back to a support level, build positions in batches, and take profits on rebounds of 5%-8%. This layer targets an annualized return of 20%-30%. Discipline is key; don’t act on feelings.

**Third layer is the opportunity layer, leaving 30% as ammunition.** This is reserved for market black swan events and sudden movements of new coins. When a new coin experiences panic selling causing its price to deviate significantly from fundamentals, decisively buy the dip and rebound. This layer isn't active all the time, but once you seize an opportunity, single trades can yield over 30%.

The key is how to make this structure operate smoothly. Evaluate the returns of each layer quarterly, and redistribute profits accordingly. If the main operational layer reaches its target return, transfer some profits to the opportunity layer to ensure sufficient bullets for sudden opportunities. Meanwhile, the three layers are relatively independent; even if the opportunity layer suffers a loss, the entire account won't be heavily affected, as risks are isolated.

The difference boils down to the ability to design the fund structure. Passive interest earning can only maintain the status quo, while active layout can truly generate growth. Many people make decent money but still think passively—that's why their growth stagnates.