Angel investor and well known XRP advocate Armando Pantoja, has shared his insights on accumulating and maintaining $1 million in XRP while ensuring financial stability. His approach emphasizes strategic profit management rather than being swept away by short-term market gains.
Pantoja stresses that reaching a seven-figure portfolio does not automatically translate to financial security. Instead, he argues that true financial stability depends on effectively managing the profits generated from an initial investment. He suggests that investors should view themselves as having access to only 10% of their portfolio’s value annually to avoid excessive risk.
So, you make $1,000,000 in $XRP $BTC $DOGE $ETH or any other crypto.
What's next? How do you turn that one big win into a lifetime of wealth?
Here are 4 secrets that helped me: pic.twitter.com/SIzSIqiUwe
— Armando Pantoja (@_TallGuyTycoon) March 26, 2025
Developing a Strong Investment Plan
Pantoja recommends XRP as a foundational asset for building wealth in the cryptocurrency market. However, he warns against over-concentration in a single digital asset. To mitigate risk, he advises diversifying investments across multiple cryptocurrencies.
Bitcoin, according to him, offers portfolio stability, while Ethereum provides opportunities for passive income through staking. He also highlights the potential of other assets, such as Stellar (XLM), which can contribute to a well-rounded crypto portfolio.
Another key recommendation is securing long-term holdings by transferring them to cold storage. Pantoja warns that leaving funds on exchanges exposes investors to security risks, including potential hacks and market volatility. Keeping assets off exchanges minimizes these threats and ensures greater control over investments.
Expanding Wealth Through Passive Income Streams
Beyond holding digital assets, he further underscores the importance of developing passive income streams. He suggests staking select cryptocurrencies on reputable platforms as a means of earning consistent returns.
He also advocates for using cryptocurrency as collateral for loans rather than selling holdings. Borrowing against crypto holdings allows investors to access liquidity while avoiding taxable events that could reduce their overall portfolio value.
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Pantoja encourages reinvesting borrowed funds into assets that generate steady income, such as dividend-paying stocks, rental properties, farmland, or real estate investment trusts (REITs). This strategy ensures financial growth without depleting the principal investment.
Protecting and Enhancing Financial Gains
To safeguard accumulated wealth, Pantoja recommends utilizing tax-efficient structures such as trusts, LLCs, and tax-advantaged accounts like IRAs. These options help investors legally minimize tax obligations while growing their capital.
Additionally, he advises those looking to expand their financial security to consider building a business. According to the investor, a well-structured business can generate a reliable monthly income, ranging from $6,000 to $15,000, creating long-term financial sustainability.
His final piece of advice is to maintain a disciplined approach to wealth management. He emphasizes that successful investors do not spend their principal but rather generate income from their investments. By adopting this mindset, individuals can transition from making a million dollars to keeping it—and growing it over time.
Disclaimer: This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are urged to do in-depth research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses.
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