Deciding between actively trading crypto and managed investments from experienced companies can sometimes create dilemmas for European investors. While there is upside to investing in crypto and altcoins since they promise unlimited potential, quantitative trading companies like Yieldfund provide professional trading with minimal crypto knowledge.
To understand how actively investing and using Yieldfund performed, we analyzed how a $10,000 investment would have performed across both strategies, what the risks would be, and who would benefit from each type of approach.
The $10,000 reality check: Real performance data
Most crypto investors are looking at the Top 3 or 10 altcoins on the market when they want to invest. For this comparison, we will analyze the performance data of BTC, ETH, and SOL over a period of 1 year, from August 13th, 2024, to August 13th, 2025, and see actual data.
A diversified investment strategy is splitting $10,000 equally across Bitcoin (BTC), Ethereum (ETH), and Solana (SOL) to understand how they performed.
- BTC: $59,256 → $120,122 (+102.7%)
- ETH: $2,724 → $4,589 (+68.5%)
- SOL: $146 → $191 (+30.8%)
- Total portfolio: $16,733 (+67.3%)
These cryptocurrencies have shown consistent growth, driven by the bull market cycle and their established presence in the market. While the returns are positive, they reflect typical performance expected during a bull market.
Yieldfund’s steady but limited approach
Yieldfund is a quantitative trading company that trades the Top 10 cryptocurrencies on the market using high-frequency algorithmic trading and provides investors with consistent returns over a period of one, two, or three years.
Yieldfund has three attractive plans that provide 3%, 4%, and 5% monthly interest, which is paid weekly to users’ accounts. Thus, investing $10,000 on August 13th, 2024, will result in a return of $16,000 by August 13th, 2025, regardless of how the market reacts. What’s more is that investors get access to their payouts weekly through USDC directly paid to their own crypto wallet.
The platform’s strength lies in removing emotional decision-making and providing regular income streams, appealing to investors who prefer predictable outcomes over maximum volatility.
Why new crypto investors struggle
When examining the performance of new investors in the market, the differences are striking. Over 72% of beginner traders panic-sell during market downturns—an occurrence all too common in the volatile world of crypto. This highlights significant psychological challenges faced by direct crypto investors. Additionally, 77% of first-time investors enter the market without conducting proper research, often driven by FOMO and social media hype. As a result, over 90% of these traders lose money and exit the market within their first year.
With over 17,000 cryptocurrencies on the market, new investors often face analysis paralysis when deciding where to begin. This challenge is compounded by common mistakes, such as poor security practices like storing funds on exchanges, excessive trading that diminishes profits through high fees, and unrealistic expectations of overnight wealth. These missteps frequently result in lost funds and missed opportunities, even during lucrative bull markets.
Every mistake highlights why some investors gravitate toward managed solutions like Yieldfund, where professional algorithms handle trading decisions and emotional biases are removed from the equation.
The trade-off between investing & Yieldfund
Investing in crypto directly has some advantages for those who are experienced. As we have shown above, there are few who make it work. However, some assets increase by up to 102% during bull markets. Others, which are riskier, can have higher upswings but require extensive research and constant monitoring, though they can yield significantly higher results.
Another trade-off is the control investors have over their portfolio. Investors can sell their assets anytime and wait until they reinvest. While this is a great advantage, most new investors—90%—lose money when trading, which makes direct investing a liability for one’s portfolio.
Success requires technical knowledge and constant market monitoring. High volatility can trigger emotional decision-making that leads to poor outcomes, while investors bear complete responsibility for security and storage.
Yieldfund’s managed approach
YieldFund removes many of the barriers first-time investors face when interacting with crypto. Investors can access the native dashboard with information about their investments, contract details, and payment history, as well as an investor relations manager.
Through their three-tier plans with 3%, 4%, and 5% monthly interest, users can have predictable outcomes that are paid directly to their USDC wallet. YieldFund is registered with the AFM and has a safety net that protects users’ funds through the built-in security fund, which protects invested capital during periods of market downturn.
The trade-off when using YieldFund is the capped upside potential and the locked capital. However, investors do have access to weekly funds, which isn’t always an option when investing directly.
Making the right choice for your situation
When direct investment makes sense
Direct investing suits investors with experience and time for research and learning who can handle volatility without panic selling. This approach maximizes upside potential for those comfortable with technical aspects and willing to risk complete capital loss.
When Yieldfund fits better
Yieldfund fits best for regular investors who are either new to crypto or want to diversify their portfolios since the company provides predictable returns. This approach suits risk-averse profiles seeking regular income streams and is a convenient way to access weekly payments without the stress of self-investing.
The bottom line: What would $10,000 get you
Our analysis reveals a minimal performance difference between direct investing and using Yieldfund. The data indicates that direct investors achieved a 4.58% profit margin, resulting in a total portfolio value of $16,733.
However, this doesn’t account for the hours spent looking at the market, stressing about price fluctuations, or panic-selling, which is common among regular investors.
For many new investors, using Yieldfund overcomes the 4.58% increase as it removes the constant stress of monitoring markets and deciding when to sell or buy. What’s more is that Yieldfund provides convenience for both regular and experienced investors who want to diversify but remain constant during periods of high volatility.Are you ready to start investing and earn up to 60% yearly interest? Explore Yieldfund investment plans today and discover how algorithmic trading can simplify trading.
