Gate Financial Management Guide: How Conservative Investors Can Build a "Yubi Bao + Fixed-term Financial Management" Income Portfolio

Faced with the volatility of the cryptocurrency market, investors seeking steady returns are looking for smarter asset allocation strategies. Gate Wealth Management, as a one-stop digital asset financial service platform, provides investors with flexible and efficient solutions. This article will explore how combining Gate’s 「余币宝」 (Yubi Bao) and 「定期理财」 (Fixed-term Wealth Management) products can help build an investment portfolio that balances liquidity, security, and profitability, enabling you to achieve steady asset growth amid market fluctuations.

Why the Current Market Environment Calls for a More Conservative Wealth Management Strategy?

As of January 20, 2026, according to Gate market data, Bitcoin (BTC) is priced at $92,711.2, with a market capitalization of $1.84T, while Ethereum (ETH) is priced at $3,190.7. Although the long-term outlook for mainstream crypto assets remains optimistic, short-term price fluctuations (such as BTC -0.16% and ETH -0.8% in the past 24 hours) constantly remind investors of the importance of risk management.

Market volatility is normal, and idle digital assets that are not effectively utilized mean opportunity costs are lost. For investors who prefer not to trade frequently but want their assets to continuously generate value, Gate Wealth Management’s 「余币宝」 and 「定期理财」 services are key tools to turn passive holdings into active income.

In-Depth Analysis of Gate Wealth Management’s Two Core Tools

Gate Yubi Bao: The Foundation of Flexibility

Yubi Bao is a flexible, demand-based wealth management product launched by Gate. Its core advantage lies in flexibility. Users can deposit or withdraw assets at any time, with daily interest settlement and compound growth. It is ideal for storing short-term idle funds or serving as a “liquidity pool” within an investment portfolio, ensuring you have immediate resources to seize market opportunities.

Gate Fixed-term Wealth Management: The Engine for Enhanced Returns

Fixed-term Wealth Management offers higher expected annualized yields. Users can choose products with lock-in periods of 7 days, 30 days, 90 days, and so on. Higher yields come from the time value premium, suitable for investors with clear plans for fund usage and who can accept certain lock-in periods. It is a core component for increasing the average return of the entire portfolio.

Building Your “Yubi Bao + Fixed-term Wealth Management” Portfolio Strategy

A balanced wealth management portfolio is not a binary choice but a smart allocation based on fund purpose and risk preference.

Step 1: Fund Layering and Planning

Divide your investable digital assets into three parts:

• Emergency liquidity (about 20%-30%): Deposit into Yubi Bao. Used to respond to sudden market opportunities, daily trading needs, or temporary withdrawals, enjoying the convenience and stable returns of demand-based products.
• Core appreciation assets (about 60%-70%): Allocate to fixed-term wealth management. Based on your expectations for liquidity, select products of different durations. For example, distribute funds across 1-month, 3-month, and other terms to form a “ladder,” ensuring higher yields while allowing funds to unlock at different times, maintaining some liquidity.
• Opportunity capture funds (about 10%): Keep in trading accounts or in Yubi Bao for medium- to long-term positioning during significant market pullbacks.

Step 2: Dynamic Adjustment and Rebalancing

Market conditions and personal financial situations change, so your wealth management portfolio should be reviewed regularly:

• When fixed-term products mature, decide whether to reinvest, transfer to Yubi Bao, or allocate to other investments based on current market interest rates and fund needs.
• During periods of high volatility, consider increasing the proportion in Yubi Bao to enhance flexibility; if the market trend is stable, increase fixed-term wealth management to lock in higher yields.

Step 3: Leverage Compound Interest for Long-term Persistence

Whether through daily compounding in Yubi Bao or reinvesting principal and interest after fixed-term products mature, long-term persistence is key to amplifying returns. Reinvesting wealth management earnings can enable your digital assets to grow exponentially over time.

Market Performance Example: Gate Platform Token GT

As an important part of the Gate ecosystem, GateToken (GT) also attracts many investors’ attention. As of January 20, 2026, GT is priced at $10.05, with a market cap of $1B . The Gate Wealth Management platform often launches quality wealth management products including GT, providing holders with an additional income channel beyond market price fluctuations.

For example, GT holders can choose to deposit some GT into Yubi Bao for demand-based returns or allocate part of their holdings into GT fixed-term products for higher rewards. This provides a way to hedge against single-price volatility. Historical data shows that the value of platform tokens is closely related to user experience, profitability, and ecosystem development, and the continuous growth of Gate Wealth Management business supports the long-term ecosystem value of GT.

How to Easily Start Steady Wealth Management on Gate?

• Log in to the Gate official website or App, and find the “Wealth Management” section in the top navigation bar.
• Understand the products: Carefully read the expected annualized yields, minimum investment amounts, interest calculation rules, and lock-in periods for each currency in the “Yubi Bao” and “Fixed-term Wealth Management” zones.
• Start depositing: Select your preferred currency and product, enter the deposit amount, and confirm the agreement to complete the purchase. Fixed-term products cannot be redeemed during the lock-in period, so plan accordingly.
• Manage assets: In the “Holdings” page, you can clearly view all wealth management assets, accumulated earnings, and maturity dates, facilitating unified management and reinvestment planning.

Finding certainty amid uncertainty is the wisdom of conservative investors. Gate Wealth Management’s combination of 「余币宝」 and 「定期理财」 provides a simple, effective, and powerful tool to help your digital assets navigate bull and bear markets and continuously generate value. Instead of letting assets idle in your wallet, log in to Gate now to build your own steady wealth management portfolio and take the first step toward passive income from your crypto assets.

Explore Gate Wealth Management now and unlock the growth potential of your assets.