Late in 2013, with bitcoin prices in the middle of a steep dip, a post appeared in an online forum featuring a misspelling that would become legendary: “I AM HODLING.” The mangling of the word “hold” captured a kind of irreverent blind faith of some early cryptocurrency adopters, and it has since become a part of the lexicon of digital assets. But “HODL” is more than just a meme. According to financial planners and analysts, it’s also a rational response to a market whose ups and downs are exceedingly difficult to predict. “The holding part of it is important because it’s a nascent industry, and as a retail investor you are not well-equipped to be able to capture the volatility and to trade the assets,” says Theresa Morrison, a certified financial planner in Tucson, Arizona. Indeed, the original HODLer in 2013 had no illusions about their ability to play the …