System 5 — Automated Investing With Crypto
Betterment, M1 Finance, and Kraken. Two managed/self-directed venues with a second crypto on-ramp.
Who this is for
Readers who want both managed and self-directed equity exposure with a crypto sleeve that is not concentrated on a single exchange.
System layers
- On-ramp: Kraken. Wyoming SPDI-chartered exchange used as the crypto on-ramp. Pairs with Coinbase in expanded systems.
- Yield venue (managed and self-directed): Betterment, M1 Finance. Betterment for fully managed; M1 for self-directed pies plus High-Yield Cash. Two different brokerage models.
Cadence
Monthly review of M1 pie drift; quarterly review of Betterment portfolio mix.
Why it works
Two distinct brokerage models reduce single-provider risk inside the investing layer.
What breaks it
Keeping crypto staking allocations larger than the broader investing layer.