It is recommended to use a high ratio of natural anchor text to the main money keywords that you are trying to optimize. This prevents your main money keywords from getting over-optimized - the #1 cause of Google penalties.
*Here is an example of how to use 100% natural anchor text for the URL www.thehoth.com-
keyword 1: http://www.thehoth.com
keyword 2: www.thehoth.com
keyword 3: thehoth.com
keyword 4: click here
keyword 5: learn more
Keep natural anchor text to a HIGH % of your overall anchors, and then use variations of your main $ keywords from order to order. You will avoid over-optimization this way.
If you have an established website and want to see what your overall anchor text breakdown is, use a tool like www.ahrefs.com.
We suggest you build TONs of natural anchors if you don't already have them. A good, cheap, and safe way to do that is to register a bunch of social profiles on the top sites for your website. If you want to get this done for you, check out http://www.lockmybrand.com