Besides dollar-cost averaging into BTC, I've also been regularly investing in ETFs over the years. Many people start researching individual stocks and reading candlestick charts whenever investment is mentioned, but actually, there's a simpler approach for most ordinary people—and that's ETFs.

ETFs are essentially a basket of stocks. When you buy a single ETF, you're essentially investing in many companies simultaneously, with more diversified risk and better suitability for long-term investing. If I were to choose just three ETFs for a basic portfolio allocation, I would focus on these three.