Disclaimer: The information in this article is for general information purposes only. It is not intended as legal, financial or investment advice and should not be construed or relied on as such. Seek the help of a financial expert before making any decisions.
Unless you’ve been living under a rock, you’ve probably heard of cryptocurrency and bitcoin. To most people, it’s interesting to hear about the crazy market climbs and accompanying market crashes. But they’re not invested so they don’t make much off it.
To some, it’s the technology of the future. It’s inevitable. It’s a decentralised digital currency. It’s digital gold. It’s here to stay.
And to the sceptics, it’s absolute bullshit. A fraud. A scam. Where do I fit in?
I first got involved in cryptocurrency around the time many other did — the 2017 bull market. Of course, I had no idea what I was doing and I invested in a bunch of coins that I knew nothing about. When the crash happened, I, like most newbie investors, panicked and sold. Luckily for me I still managed to profit and pay for a trip to Europe.
To me, crypto may or may not be the way of the future. There are so many different opinions on the topic. It’s hard to decipher for someone without a background in tech. The same thing could be said for the stock market. As an outsider looking in, it seems complicated and confusing until you do some research.
For me, investing in the stock market is simpler than investing in crypto because you deal with a lot of these companies on a daily basis. Still, it’s tough to look at all the financial statements, the technical analysis, the expert opinion, the market moves, and all the rest before deciding to invest in a company. So most people, myself included, invest the majority of their money into ETF’s that track an index. The great part about investing in this manner is that you’re not picking an individual company to do well. You’re picking a group such as the S&P 500 or the ASX200 down here in Australia. These indexes follow the top 500 companies in the US or the top 200 companies in Australia.
So what does this have to do with crypto? Similar ideas exist in the crypto world. You can pick individual coins such as Bitcoin, Ethereum or Monero. While this isn’t such a bad idea when it comes to the “stable” coins, investing in smaller “alt” coins can be difficult. There are literally thousands of coins on the market and more are coming in every day. I invest in 3 coins at the moment: BNB, ETH, and BTC. However, with my lack of technical expertise, I wanted more diversification. This lead me to research if there were any index funds in the cryptocurrency world. While there aren’t many out there on the market (yet!), I did find one that I like the look of and have started investing in.Best Free Crypto Trading Bots — Top 16 Bitcoin Trading Bot [2026]Best crypto trading bots for Binance, Coinbase, Kucoin, and other crypto exchanges in 2026. Quadency, Bitsgap…medium.com
Invictus Capital’s Crypto 20 Index Fund
Introducing the Crypto20 Index Fund. This fund tracks the top 20 cryptocurrencies by market cap. Here’s a little explanation from their website:
“A NEW INVESTMENT PARADIGM
Autonomous ‘token-as-a-fund’.
In 2017, our team successfully pioneered the first tokenized crypto-only index fund, which used the seed funding to buy the underlying crypto assets. There are no broker fees, no exit fees, no minimum investment and full control over your assets. Full blockchain transparency.”
They cap each coin at around 10% of the portfolio. Meaning that the fund will only allow a coin — let’s say Ethereum — to get to 10% of the portfolio, capping its effect on the fund’s returns. Larger coins sit closer to the 10% limit, while smaller coins sit around 1–3%.
If this isn’t making much sense, have a quick look at this little video or head to the website and do your own research.
The reason I like this fund is that its fees are low (only 0.5% which is comparable to many ETF’s in the stock market) and you get access to the top 20 cryptocurrencies with investment in one token. Instead of doing research into each individual coin (although I would recommend still doing that), you can invest in the biggest coins in the industry.
The returns have been great as outlined in this paper — with 1-year returns of 855%. Although this paper only shows results up until the 30th of April 2026. During May we’ve seen a decent drop off along with most cryptocurrencies. It’s returns since inception (25–11–2017) have been less impressive at 37.86% per annum. This would have been greatly influenced by the crypto crash around 22–12–2017 where Bitcoin fell 45%.
If you’re looking to invest in crypto markets you need to understand what you’re getting yourself in for in terms of volatility. You need the stomach and the emotional bandwidth to stop yourself from selling when you see the markets plummet as they have recently. And you need to stop yourself from getting too happy and worked up when the markets are extremely bullish.
Since I have learned more about the stock markets and the volatility of the crypto world, I’m not tempted to sell when I see these big swings. I like to keep mine on a “set and forget” type cycle as I do with my ETF’s in the stock market. A direct debit system comes out each week from my pay before I can touch it. By dollar-cost averaging over time, I don’t care too much about the price fluctuations as long as it goes up over the long term. In fact, I use times where their is panic in the market to buy more.
I’ve found the best way to invest in the C20 fund is to transfer BUSD (Binance USD) on the Binance Smart Chain Network. This was the most cost-effective way and only cost me a few cents when compared to the Ethereum network. Crypto transfers in general seem to be much more cost-effective and simple when compared to setting up a bank transfer (especially if you’re from Australia).
Obviously, you should do your own research on the fund and cryptocurrency in general. Even though I have done my due diligence, read multiple books and listened to countless podcasts, I still don’t understand it nearly as well as I should. I will continue to learn. The more you know, the better decisions you can make. As it is a fairly new invention, I’m only investing as much as I’m prepared to lose. Each dollar I put in I’m able to detach from and almost expect it to go to zero (with obvious aspirations for an increase). And that’s the beautiful part about investing in both the stock market and in crypto — you can only lose what you put in but the room for growth is virtually limitless. As Mohnish Prabrai says “heads I win, tails I don’t lose that much.”Best 6 Crypto Trading Signals Telegram ChannelsIt is tedious to find the right crypto trading signals provider. So, in this article, we will be talking about the best…medium.com
Enter at your own risk. Only invest what you can afford to lose.
I like what the founder of Xapo — Wences Casares — had to say in the movie “Cryptopia: Bitcoin, Blockchains and the Future of the Internet”:
“The biggest financial mistake you can make right now is to own an amount Bitcoin that you cannot afford to lose because it’s super risky and you may lose it. The second biggest financial mistake you can make is not to own any.”
He then went on to explain a scenario which I’ll summarise below:
Most people can afford to lose 1% of their net worth. So let’s say you put that 1% into Bitcoin. If he’s right and you come back in 7 years, he believes that will be worth more than 100% of your net worth today. If not, it could go to zero.
He uses the example of taking the money you would spend on a romantic weekend away with your partner (which I found funny) and using it to invest in Bitcoin. In 7 years, if it hasn’t worked out then you’ll have to apologise to your partner, but if it has you’ll be naming children after him.
He also mentioned that all of the cryptocurrencies are way too volatile for anyone to take them seriously right now. Making it tough to determine what to invest in. This is exactly why I have started investing in the C20 fund which actually outperformed Bitcoin last year. Instead of investing in one coin which may potentially go to zero, I’m backing cryptocurrency as a movement. The top 20 is updated and changed as coins move in and out of the top 20 by market cap. So in 10 years, none or all of the same coins could still be in there.