Silo Market rewards are tiny. As a new investor, should I really be focusing on these small perks, or would my time be better spent concentrating on core investments that actually help build real portfolio value?

Cryptocurrency is currently gaining popularity and more people are beginning to invest in it. I have a few questions regarding this: Are cryptocurrency exchanges regulated by the US government, and which is the best cryptocurrency to invest in right now?

State Street has already predicted that the returns from the ETFs will be moderate next year. What could be the reasons behind this? Is this going to impact the US market in 2025? Should I invest in ETFs next year? What are your thoughts?