🕷️ Crawler Inspector

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Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 97 (from laksa058)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa097.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://money.com/bitcoin-gold-stocks/\')), getAhrefsUnparsedNoserviceFromURL(\'https://money.com/bitcoin-gold-stocks/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/money.com\/bitcoin-gold-stocks\/","crawl_time":1776714688,"first_indexed_time":1610127286,"http_code":200,"src_unparsed":"com,money!\/bitcoin-gold-stocks\/ s443","src_root_hash":"4541926376154389497","history_drop_reason":null,"meta_title":"How to Invest in Bitcoin | Money","meta_descriptions":["How to buy and sell bitcoin; the risks of owning bitcoin; and what bitcoin means for taxes."],"attrs_boilerpipe_text":"We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included.\nLearn more\n.\nMoney is not a client of any investment adviser featured on this page. The information provided on this page is for educational purposes only and is not intended as investment advice. Money does not offer advisory services.\nBitcoin\nis starting the new year with a bang. While the cryptocurrency is only getting more popular, figuring out how — or even if — it fits into a traditional investment portfolio alongside stocks and bonds isn't easy.\nThe digital currency hit an all-time high of $41,000 last week, before falling off sharply. It traded at about $32,000 midday Monday. While\nBitcoin\nhas now been around for more than a decade — and gotten its fair share of craze and criticism — institutional investors have recently been\npouring in\n.\nAnalysts at J.P. Morgan wrote in a note to clients this week that\nBitcoin\nhas the potential to rise as high as $146,000. Meanwhile, payment giant Paypal recently\nlaunched a service\nthat allows its users to buy and sell bitcoin along with other cryptocurrencies and a\nnew Visa credit card\noffers bitcoin rewards.\nSure,\nBitcoin\nseems to be all the rage right now, but it's important to remember that the digital currency has a history of volatility and is unregulated. Even though everyone is talking about it, investment decisions should be made with prudence, not from FOMO (fear of missing out), says Anjali Jariwala, certified financial advisor and founder of FIT Advisors.\nBitcoin\ndefinitely isn’t for every investor — but if you decide it’s something you want to wade into, do so cautiously.\nWhat kind of asset is\nBitcoin\n?\nGold has long been considered\na safe-haven asset\nbecause its price tends to rise as stocks fall, or at least stay the same. Since\nBitcoin’s\nlaunch in 2009, there have been many comparisons between the two assets — with some calling\nBitcoin\nthe “digital gold” — because\nBitcoin\nalso doesn’t seem to be directly correlated to stock performance. Both are also not issued by the federal government or a central bank, and have a limited supply: the creators of Bitcoin made sure only 21 million coins can be mined, and there’s only so much gold that can be dug up from the ground.\nAny asset that rises when stocks fall is useful for an investor as it diversifies their portfolio. But earlier this year,\nBitcoin\nproved that it’s not the safe haven so many have made it out to be. When the market plummeted in March as COVID-19 hit the U.S.,\nso did Bitcoin\n. Generally, correlation between Bitcoin and stocks is low, but that correlation tends to rise during “bad times,” says Nick Maggiulli, Chief Operating Officer at Ritholtz Wealth Management.\n“When things aren’t crazy it’s a good diversifier,” Maggiulli says of\nBitcoin\n. “When things get really crazy, it’s not.”\nSo while it may be tempting to jump on the\nBitcoin\nbandwagon, don’t look at it as some kind of miracle elixir that is going to make you rich quick, but instead an option for a small part of your portfolio—5% at the most, some experts say. (Maggiulli\nrecommends\nno more than 2%.)\nWhat are the risks of Bitcoin?\nWith Bitcoin all over the news and its prices soaring, it’s no wonder that so many people are interested in investing, maybe even for the first time. Buying bitcoin can also be tempting because — since there’s no third party involved in a sale — it can be bought or sold quickly across nations. It also can also be exchanged securely, and is more difficult to counterfeit than cash. But skeptics of Bitcoin say it doesn't have intrinsic value and is a bubble that, eventually, will burst.\nThe cryptocurrency can be very volatile. After hitting a record high in December of 2017, for example,\nBitcoin\nplunged 50% the first month of 2018. So if you are looking to invest a small amount in\nBitcoin\n, make sure it’s something you are going to hold onto for a longer period of time, not something you’re going to want to sell when the price drops and you get worried, Jariwala says.\n“You have to be comfortable with having that money potentially go away,” she adds.\nThere are also security concerns when it comes to\nBitcoin\n, as it is stored digitally. Many investors are worried about getting hacked or having someone steal their bitcoin, says Greg King, CEO of Osprey Funds. It’s important to have your\nBitcoin\ninvestment backed by a robust safeguarding process, he adds (for example, Fidelity Investments is the custodian of his firm’s Osprey Bitcoin Trust).\nBitcoin\nis also not regulated on an exchange. There are upsides to this — like no need to deal with a bank, for example — but it also makes the currency’s future uncertain. Maggiulli says the biggest risk to owning\nBitcoin\nis its possibility of being banned. While this might seem far-fetched in the U.S., the Securities and Exchange Commission’s (SEC) recently filed a complaint against Ripple, a cryptocurrency creator, leading to its cryptocurrency being\ndelisted from some exchanges\n. Also, as Maggiulli\npoints out\n, the U.S. government did\nban the ownership of gold\nin the 1930s.\nAnd keep in mind that it’s usually not a good idea to start investing in an asset when it’s at an all-time high, even if — or especially because — everyone else is doing it.\nHow do you actually invest in\nBitcoin\n?\nIf you’ve decided investing in a small amount of Bitcoin makes sense for you, you’ll need a “digital wallet” where the currency will be sent. You can buy bitcoins via a mainstream cryptocurrency exchange like Coinbase or Gemini, which would allow you to see the price performance like a stock or ETF. While most of those investing platforms only allow you to trade cryptocurrency, you can also trade\nBitcoin\nwith\nRobinhood\n, PayPal and Square.\nKeep in mind that the IRS considers\nBitcoin\nproperty, not currency, which means there are tax consequences. If you hold the\nbitcoin\nfor a year or less, any trading profits are taxed as short-term gains — at the same rates as ordinary income. But if you hold it for more than a year, your profits are taxed as long-term capital gains, at rates of 0%, 15% or 20% in 2021 depending on your income level. The IRS has more recently been\ngoing after cryptocurrency holders\nwho aren't reporting their digital currencies.\nIf owning the digital coins yourself isn’t appealing, there are also publicly traded\nBitcoin\ntrusts, which are similar to ETFs or mutual funds, like the Grayscale\nBitcoin\nTrust (but watch out for high annual management fees, which is 2% for this Grayscale trust). But Bitcoin ETFs are\nnot yet\nin the U.S.\nAnother option is investing in funds or companies that are focused on the technology underneath the cryptocurrency, blockchain — Intel, for example,\noffers blockchain services\n. It’s a way of getting exposure to Bitcoin but takes some risk off the table as you’re not investing in the cryptocurrency itself, Jariwala says.\nRemember: an investment in\nBitcoin\n— if it makes sense for you — should be an offshoot of your core portfolio. If you have excess money and are interested in cryptocurrency, it might make sense to invest a small amount of that in\nBitcoin\n, but don’t put your retirement savings on the line.\nMore from Money:\nDFA, a Cult Favorite of Financial Advisors, Finally Opened Its Funds to Everyday Investors\nPandemic or Not, These Stay-at-Home Stocks Are Just Getting Started\nMoney's 2021 Real Estate Outlook: What to Expect for Mortgage Rates, Home Prices and More","attrs_markdown":"[![Money](https:\/\/money.com\/img\/money_500x140_1.png)](https:\/\/money.com\/)\n\n- [Credit](https:\/\/money.com\/credit\/)\n  - Money's Best, News & Guides\n  - [Best Credit Repair Companies](https:\/\/money.com\/best-credit-repair-companies\/)\n  - [Best Identity Theft Protection Services](https:\/\/money.com\/best-identity-theft-protection\/)\n  - [Best Credit Monitoring Services](https:\/\/money.com\/best-credit-monitoring-services\/)\n- [Insurance](https:\/\/money.com\/insurance\/)\n  - Money's Best, News & Guides\n  - 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Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https:\/\/money.com\/page\/disclaimer\/).\n\n1. [Investing](https:\/\/money.com\/investing\/)\n2. [Stocks](https:\/\/money.com\/stocks\/)\n\nShare\n\n**Share**\n\nPage URL\n\nhttps:\/\/money.com\/bitcoin-gold-stocks\/\n\n![](data:image\/png;base64,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)\n\nLink copied\\!\n# How to Invest in Bitcoin Alongside Stocks and Bonds\n\n**By:**\n\n[Mallika Mitra](https:\/\/money.com\/author\/mallika-mitra\/)\n\n![Mallika Mitra, expert in Investing, Personal Finance, and Contributor at Money](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=)\n\n[Mallika Mitra](https:\/\/money.com\/author\/mallika-mitra\/)\n\nContributor \\| Joined May 2020\n\nMallika Mitra is a contributor to Money, where she covers investing, crypto, debt and many other personal finance beats. Her byline has appeared in the Wall Street Journal, Barrons, and USA Today.\n\nHas also written:\n\n- [3 Smart Moves for Investors After the Fed's Interest Rate Cut](https:\/\/money.com\/fed-rate-cut-investors-advice\/)\n- [How to Buy Stocks](https:\/\/money.com\/how-to-buy-stocks\/)\n- [Nasdaq Is Reducing the Influence of Giant Tech Firms in a Popular Stock Market Index](https:\/\/money.com\/nasdaq-100-rebalance-tech-stocks\/)\n- [Good News for Investors: Bull Markets Usually Last Way Longer Than Bears](https:\/\/money.com\/how-long-bull-markets-last\/)\n- [Forget FAANG, Meet the 'Magnificent Seven' Stocks Surging in 2023](https:\/\/money.com\/faang-magnificent-seven-tech-stocks\/)\n\n[See full bio](https:\/\/money.com\/author\/mallika-mitra\/)\n\n**Published:** Jan 8, 2021 **9 min read**\n\nMoney is not a client of any investment adviser featured on this page. The information provided on this page is for educational purposes only and is not intended as investment advice. Money does not offer advisory services.\n\n![Bitcoin asset explanation](https:\/\/money.com\/wp-content\/uploads\/2021\/01\/Bitcoin_asset_explanation.png?quality=60&w=600)\n\nMoney; Shutterstock\n\n[Bitcoin](https:\/\/public.com\/crypto\/btc) is starting the new year with a bang. While the cryptocurrency is only getting more popular, figuring out how — or even if — it fits into a traditional investment portfolio alongside stocks and bonds isn't easy.\n\nThe digital currency hit an all-time high of \\$41,000 last week, before falling off sharply. It traded at about \\$32,000 midday Monday. While [Bitcoin](https:\/\/public.com\/crypto\/btc) has now been around for more than a decade — and gotten its fair share of craze and criticism — institutional investors have recently been [pouring in](https:\/\/www.barrons.com\/articles\/bitcoin-rockets-higher-as-big-investors-start-to-take-sides-51605652483).\n\nAnalysts at J.P. Morgan wrote in a note to clients this week that [Bitcoin](https:\/\/public.com\/crypto\/btc) has the potential to rise as high as \\$146,000. Meanwhile, payment giant Paypal recently [launched a service](https:\/\/newsroom.paypal-corp.com\/2020-10-21-PayPal-Launches-New-Service-Enabling-Users-to-Buy-Hold-and-Sell-Cryptocurrency) that allows its users to buy and sell bitcoin along with other cryptocurrencies and a [new Visa credit card](https:\/\/blockfi.com\/bitcoin-card-crypto-rewards) offers bitcoin rewards.\n\nSure, [Bitcoin](https:\/\/public.com\/crypto\/btc) seems to be all the rage right now, but it's important to remember that the digital currency has a history of volatility and is unregulated. Even though everyone is talking about it, investment decisions should be made with prudence, not from FOMO (fear of missing out), says Anjali Jariwala, certified financial advisor and founder of FIT Advisors.\n\n[Bitcoin](https:\/\/public.com\/crypto\/btc) definitely isn’t for every investor — but if you decide it’s something you want to wade into, do so cautiously.\n\n## What kind of asset is [Bitcoin](https:\/\/public.com\/crypto\/btc)?\nGold has long been considered [a safe-haven asset](https:\/\/money.com\/how-to-buy-gold\/) because its price tends to rise as stocks fall, or at least stay the same. Since [Bitcoin’s](https:\/\/public.com\/crypto\/btc) launch in 2009, there have been many comparisons between the two assets — with some calling [Bitcoin](https:\/\/public.com\/crypto\/btc) the “digital gold” — because [Bitcoin](https:\/\/public.com\/crypto\/btc) also doesn’t seem to be directly correlated to stock performance. Both are also not issued by the federal government or a central bank, and have a limited supply: the creators of Bitcoin made sure only 21 million coins can be mined, and there’s only so much gold that can be dug up from the ground.\n\nAny asset that rises when stocks fall is useful for an investor as it diversifies their portfolio. But earlier this year, [Bitcoin](https:\/\/public.com\/crypto\/btc) proved that it’s not the safe haven so many have made it out to be. When the market plummeted in March as COVID-19 hit the U.S., [so did Bitcoin](https:\/\/money.com\/bitcoin-safe-haven-asset\/). Generally, correlation between Bitcoin and stocks is low, but that correlation tends to rise during “bad times,” says Nick Maggiulli, Chief Operating Officer at Ritholtz Wealth Management.\n\n“When things aren’t crazy it’s a good diversifier,” Maggiulli says of [Bitcoin](https:\/\/public.com\/crypto\/btc). “When things get really crazy, it’s not.”\n\nSo while it may be tempting to jump on the [Bitcoin](https:\/\/public.com\/crypto\/btc) bandwagon, don’t look at it as some kind of miracle elixir that is going to make you rich quick, but instead an option for a small part of your portfolio—5% at the most, some experts say. (Maggiulli [recommends](https:\/\/ofdollarsanddata.com\/why-ive-changed-my-mind-on-bitcoin\/) no more than 2%.)\n\n## What are the risks of Bitcoin?\nWith Bitcoin all over the news and its prices soaring, it’s no wonder that so many people are interested in investing, maybe even for the first time. Buying bitcoin can also be tempting because — since there’s no third party involved in a sale — it can be bought or sold quickly across nations. It also can also be exchanged securely, and is more difficult to counterfeit than cash. But skeptics of Bitcoin say it doesn't have intrinsic value and is a bubble that, eventually, will burst.\n\nThe cryptocurrency can be very volatile. After hitting a record high in December of 2017, for example, [Bitcoin](https:\/\/public.com\/crypto\/btc) plunged 50% the first month of 2018. So if you are looking to invest a small amount in [Bitcoin](https:\/\/public.com\/crypto\/btc), make sure it’s something you are going to hold onto for a longer period of time, not something you’re going to want to sell when the price drops and you get worried, Jariwala says.\n\n“You have to be comfortable with having that money potentially go away,” she adds.\n\nThere are also security concerns when it comes to [Bitcoin](https:\/\/public.com\/crypto\/btc), as it is stored digitally. Many investors are worried about getting hacked or having someone steal their bitcoin, says Greg King, CEO of Osprey Funds. It’s important to have your [Bitcoin](https:\/\/public.com\/crypto\/btc) investment backed by a robust safeguarding process, he adds (for example, Fidelity Investments is the custodian of his firm’s Osprey Bitcoin Trust).\n\n[Bitcoin](https:\/\/public.com\/crypto\/btc) is also not regulated on an exchange. There are upsides to this — like no need to deal with a bank, for example — but it also makes the currency’s future uncertain. Maggiulli says the biggest risk to owning [Bitcoin](https:\/\/public.com\/crypto\/btc) is its possibility of being banned. While this might seem far-fetched in the U.S., the Securities and Exchange Commission’s (SEC) recently filed a complaint against Ripple, a cryptocurrency creator, leading to its cryptocurrency being [delisted from some exchanges](https:\/\/markets.businessinsider.com\/currencies\/news\/xrp-delisted-ripple-sec-complaint-coinbase-crypto-okcoin-trading-platform-2020-12-1029926814). Also, as Maggiulli [points out](https:\/\/ofdollarsanddata.com\/why-ive-changed-my-mind-on-bitcoin\/), the U.S. government did [ban the ownership of gold](https:\/\/www.history.com\/this-day-in-history\/fdr-takes-united-states-off-gold-standard) in the 1930s.\n\nAnd keep in mind that it’s usually not a good idea to start investing in an asset when it’s at an all-time high, even if — or especially because — everyone else is doing it.\n\n## How do you actually invest in [Bitcoin](https:\/\/public.com\/crypto\/btc)?\nIf you’ve decided investing in a small amount of Bitcoin makes sense for you, you’ll need a “digital wallet” where the currency will be sent. You can buy bitcoins via a mainstream cryptocurrency exchange like Coinbase or Gemini, which would allow you to see the price performance like a stock or ETF. While most of those investing platforms only allow you to trade cryptocurrency, you can also trade [Bitcoin](https:\/\/public.com\/crypto\/btc) with [Robinhood](https:\/\/money.com\/how-to-use-robinhood-beginners\/), PayPal and Square.\n\nKeep in mind that the IRS considers [Bitcoin](https:\/\/public.com\/crypto\/btc) property, not currency, which means there are tax consequences. If you hold the [bitcoin](https:\/\/public.com\/crypto\/btc) for a year or less, any trading profits are taxed as short-term gains — at the same rates as ordinary income. But if you hold it for more than a year, your profits are taxed as long-term capital gains, at rates of 0%, 15% or 20% in 2021 depending on your income level. The IRS has more recently been [going after cryptocurrency holders](https:\/\/www.wsj.com\/articles\/irs-sending-warning-letters-to-more-than-10-000-cryptocurrency-holders-11564159523) who aren't reporting their digital currencies.\n\nIf owning the digital coins yourself isn’t appealing, there are also publicly traded [Bitcoin](https:\/\/public.com\/crypto\/btc) trusts, which are similar to ETFs or mutual funds, like the Grayscale [Bitcoin](https:\/\/public.com\/crypto\/btc) Trust (but watch out for high annual management fees, which is 2% for this Grayscale trust). But Bitcoin ETFs are [not yet](https:\/\/markets.businessinsider.com\/currencies\/news\/bitcoin-etf-could-finally-become-a-reality-in-2021-after-vaneck-filing-2020-12-1029926923) in the U.S.\n\nAnother option is investing in funds or companies that are focused on the technology underneath the cryptocurrency, blockchain — Intel, for example, [offers blockchain services](https:\/\/www.intel.com\/content\/www\/us\/en\/security\/blockchain-overview.html). It’s a way of getting exposure to Bitcoin but takes some risk off the table as you’re not investing in the cryptocurrency itself, Jariwala says.\n\nRemember: an investment in [Bitcoin](https:\/\/public.com\/crypto\/btc) — if it makes sense for you — should be an offshoot of your core portfolio. If you have excess money and are interested in cryptocurrency, it might make sense to invest a small amount of that in [Bitcoin](https:\/\/public.com\/crypto\/btc), but don’t put your retirement savings on the line.\n\n## More from Money:\n[DFA, a Cult Favorite of Financial Advisors, Finally Opened Its Funds to Everyday Investors](https:\/\/money.com\/dfa-value-funds-etf\/)\n\n[Pandemic or Not, These Stay-at-Home Stocks Are Just Getting Started](https:\/\/money.com\/stocks-coronavirus-vaccine\/)\n\n[Money's 2021 Real Estate Outlook: What to Expect for Mortgage Rates, Home Prices and More](https:\/\/money.com\/outlook-mortgage-rates-home-prices-2021\/)\n\n- Categories\n- [Current Mortgage Rates](https:\/\/money.com\/current-mortgage-rates\/)\n- [Best Mortgage Lenders](https:\/\/money.com\/best-mortgage-lenders\/)\n- [How Much Home Can You Afford](https:\/\/money.com\/how-much-house-can-i-afford\/)\n- [Best Mortgage Refinance](https:\/\/money.com\/best-mortgage-refinance\/)\n- [Everything About Reverse Mortgages](https:\/\/money.com\/what-is-a-reverse-mortgage\/)\n- [Best Credit Cards](https:\/\/money.com\/best-credit-cards\/)\n- [Best Banks](https:\/\/money.com\/best-banks\/)\n- [Best Savings Accounts](https:\/\/money.com\/best-savings-accounts\/)\n- [Best Moving Companies](https:\/\/money.com\/best-moving-companies\/)\n\n- Best of Money\n- [Best Student Loans](https:\/\/money.com\/student-loans\/)\n- [Best Student Loan Refinance](https:\/\/money.com\/best-student-loan-refinance\/)\n- [Best Credit Repair](https:\/\/money.com\/best-credit-repair-companies\/)\n- [Best Personal Loans](https:\/\/money.com\/best-personal-loans\/)\n- [Best Auto Insurance](https:\/\/money.com\/best-auto-insurance\/)\n- [Cheapest Car Insurance](https:\/\/money.com\/best-cheap-car-insurance\/)\n- [Best Home Insurance](https:\/\/money.com\/best-home-insurance\/)\n- [Best Life Insurance](https:\/\/money.com\/best-life-insurance\/)\n- [Best Home Warranties](https:\/\/money.com\/best-home-warranties\/)\n\n- Resources\n- [Newsletters](https:\/\/money.com\/subscribe\/)\n- [Best Banks](https:\/\/money.com\/best-banks\/)\n- [Best Colleges](https:\/\/money.com\/best-colleges\/)\n- [Best Hospitals](https:\/\/money.com\/best-hospitals\/)\n- [Best Places to Live](https:\/\/money.com\/best-places-to-live\/)\n- [Best Places to Travel](https:\/\/money.com\/best-places-to-travel\/)\n- [Best Travel Insurance](https:\/\/money.com\/best-travel-insurance\/)\n- [Best Pet Insurance](https:\/\/money.com\/best-pet-insurance\/)\n\n- Money\n- [About](https:\/\/money.com\/about\/)\n- [Contact](https:\/\/money.com\/contact\/)\n- [Team](https:\/\/money.com\/team\/)\n- [Privacy Policy](https:\/\/money.com\/privacy\/)\n- [Terms of Use](https:\/\/money.com\/terms\/)\n- [Do Not Sell My Personal Information](https:\/\/www.adpractitioners.com\/eu-data-request?site=money.com)\n- [Your California Privacy Rights](https:\/\/money.com\/privacy\/#privacy-notice-for-california-residents)\n- [Licenses & Disclosures](https:\/\/money.com\/page\/insurance-licenses\/)\n- [Advertising](https:\/\/money.com\/contact\/)\n- [Sitemap](https:\/\/money.com\/money\/html-sitemap\/)\n- [Careers](https:\/\/moneygroup.pr\/careers\/)\n\n**Connect**\n\n**Physical Address**\n\nMoney Group, LLC  \n Distrito T-Mobile  \n 250 Convention Blvd  \n San Juan, PR 00907\n\n**Mailing Address**\n\nMetro Office Park  \n 7 calle 1, Suite 204  \n Guaynabo, PR 00968\n\n![BBB Rating A+](data:image\/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=)\n\nBBB Rating A+\n\n© Copyright 2026 [Money Group, LLC.](https:\/\/moneygroup.pr\/). All Rights Reserved. [Terms of Use](https:\/\/money.com\/terms\/) \\| [Privacy Policy](https:\/\/money.com\/privacy\/)   \nMoney is an independent, advertiser-supported website and may receive compensation for some links to products and services throughout this website.  \nOpinions expressed on this site are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed.  \nOffers may be subject to change without notice. For more information, please read [our full disclaimer](https:\/\/money.com\/page\/disclaimer\/).  \n  \nInvitations for insurance applications on services we own and operate are made through Money Group Ins, LLC,   \nan insurance agent\/producer, only where licensed. All license numbers are available [here](https:\/\/money.com\/page\/insurance-licenses\/).\n\nthis link is to an external site that may or may not meet accessibility guidelines.","attrs_readable_markdown":"We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https:\/\/money.com\/page\/disclaimer\/).\n\nMoney is not a client of any investment adviser featured on this page. The information provided on this page is for educational purposes only and is not intended as investment advice. Money does not offer advisory services.\n\n[Bitcoin](https:\/\/public.com\/crypto\/btc) is starting the new year with a bang. While the cryptocurrency is only getting more popular, figuring out how — or even if — it fits into a traditional investment portfolio alongside stocks and bonds isn't easy.\n\nThe digital currency hit an all-time high of \\$41,000 last week, before falling off sharply. It traded at about \\$32,000 midday Monday. While [Bitcoin](https:\/\/public.com\/crypto\/btc) has now been around for more than a decade — and gotten its fair share of craze and criticism — institutional investors have recently been [pouring in](https:\/\/www.barrons.com\/articles\/bitcoin-rockets-higher-as-big-investors-start-to-take-sides-51605652483).\n\nAnalysts at J.P. Morgan wrote in a note to clients this week that [Bitcoin](https:\/\/public.com\/crypto\/btc) has the potential to rise as high as \\$146,000. Meanwhile, payment giant Paypal recently [launched a service](https:\/\/newsroom.paypal-corp.com\/2020-10-21-PayPal-Launches-New-Service-Enabling-Users-to-Buy-Hold-and-Sell-Cryptocurrency) that allows its users to buy and sell bitcoin along with other cryptocurrencies and a [new Visa credit card](https:\/\/blockfi.com\/bitcoin-card-crypto-rewards) offers bitcoin rewards.\n\nSure, [Bitcoin](https:\/\/public.com\/crypto\/btc) seems to be all the rage right now, but it's important to remember that the digital currency has a history of volatility and is unregulated. Even though everyone is talking about it, investment decisions should be made with prudence, not from FOMO (fear of missing out), says Anjali Jariwala, certified financial advisor and founder of FIT Advisors.\n\n[Bitcoin](https:\/\/public.com\/crypto\/btc) definitely isn’t for every investor — but if you decide it’s something you want to wade into, do so cautiously.\n\n## What kind of asset is [Bitcoin](https:\/\/public.com\/crypto\/btc)?\nGold has long been considered [a safe-haven asset](https:\/\/money.com\/how-to-buy-gold\/) because its price tends to rise as stocks fall, or at least stay the same. Since [Bitcoin’s](https:\/\/public.com\/crypto\/btc) launch in 2009, there have been many comparisons between the two assets — with some calling [Bitcoin](https:\/\/public.com\/crypto\/btc) the “digital gold” — because [Bitcoin](https:\/\/public.com\/crypto\/btc) also doesn’t seem to be directly correlated to stock performance. Both are also not issued by the federal government or a central bank, and have a limited supply: the creators of Bitcoin made sure only 21 million coins can be mined, and there’s only so much gold that can be dug up from the ground.\n\nAny asset that rises when stocks fall is useful for an investor as it diversifies their portfolio. But earlier this year, [Bitcoin](https:\/\/public.com\/crypto\/btc) proved that it’s not the safe haven so many have made it out to be. When the market plummeted in March as COVID-19 hit the U.S., [so did Bitcoin](https:\/\/money.com\/bitcoin-safe-haven-asset\/). Generally, correlation between Bitcoin and stocks is low, but that correlation tends to rise during “bad times,” says Nick Maggiulli, Chief Operating Officer at Ritholtz Wealth Management.\n\n“When things aren’t crazy it’s a good diversifier,” Maggiulli says of [Bitcoin](https:\/\/public.com\/crypto\/btc). “When things get really crazy, it’s not.”\n\nSo while it may be tempting to jump on the [Bitcoin](https:\/\/public.com\/crypto\/btc) bandwagon, don’t look at it as some kind of miracle elixir that is going to make you rich quick, but instead an option for a small part of your portfolio—5% at the most, some experts say. (Maggiulli [recommends](https:\/\/ofdollarsanddata.com\/why-ive-changed-my-mind-on-bitcoin\/) no more than 2%.)\n\n## What are the risks of Bitcoin?\nWith Bitcoin all over the news and its prices soaring, it’s no wonder that so many people are interested in investing, maybe even for the first time. Buying bitcoin can also be tempting because — since there’s no third party involved in a sale — it can be bought or sold quickly across nations. It also can also be exchanged securely, and is more difficult to counterfeit than cash. But skeptics of Bitcoin say it doesn't have intrinsic value and is a bubble that, eventually, will burst.\n\nThe cryptocurrency can be very volatile. After hitting a record high in December of 2017, for example, [Bitcoin](https:\/\/public.com\/crypto\/btc) plunged 50% the first month of 2018. So if you are looking to invest a small amount in [Bitcoin](https:\/\/public.com\/crypto\/btc), make sure it’s something you are going to hold onto for a longer period of time, not something you’re going to want to sell when the price drops and you get worried, Jariwala says.\n\n“You have to be comfortable with having that money potentially go away,” she adds.\n\nThere are also security concerns when it comes to [Bitcoin](https:\/\/public.com\/crypto\/btc), as it is stored digitally. Many investors are worried about getting hacked or having someone steal their bitcoin, says Greg King, CEO of Osprey Funds. It’s important to have your [Bitcoin](https:\/\/public.com\/crypto\/btc) investment backed by a robust safeguarding process, he adds (for example, Fidelity Investments is the custodian of his firm’s Osprey Bitcoin Trust).\n\n[Bitcoin](https:\/\/public.com\/crypto\/btc) is also not regulated on an exchange. There are upsides to this — like no need to deal with a bank, for example — but it also makes the currency’s future uncertain. Maggiulli says the biggest risk to owning [Bitcoin](https:\/\/public.com\/crypto\/btc) is its possibility of being banned. While this might seem far-fetched in the U.S., the Securities and Exchange Commission’s (SEC) recently filed a complaint against Ripple, a cryptocurrency creator, leading to its cryptocurrency being [delisted from some exchanges](https:\/\/markets.businessinsider.com\/currencies\/news\/xrp-delisted-ripple-sec-complaint-coinbase-crypto-okcoin-trading-platform-2020-12-1029926814). Also, as Maggiulli [points out](https:\/\/ofdollarsanddata.com\/why-ive-changed-my-mind-on-bitcoin\/), the U.S. government did [ban the ownership of gold](https:\/\/www.history.com\/this-day-in-history\/fdr-takes-united-states-off-gold-standard) in the 1930s.\n\nAnd keep in mind that it’s usually not a good idea to start investing in an asset when it’s at an all-time high, even if — or especially because — everyone else is doing it.\n\n## How do you actually invest in [Bitcoin](https:\/\/public.com\/crypto\/btc)?\nIf you’ve decided investing in a small amount of Bitcoin makes sense for you, you’ll need a “digital wallet” where the currency will be sent. You can buy bitcoins via a mainstream cryptocurrency exchange like Coinbase or Gemini, which would allow you to see the price performance like a stock or ETF. While most of those investing platforms only allow you to trade cryptocurrency, you can also trade [Bitcoin](https:\/\/public.com\/crypto\/btc) with [Robinhood](https:\/\/money.com\/how-to-use-robinhood-beginners\/), PayPal and Square.\n\nKeep in mind that the IRS considers [Bitcoin](https:\/\/public.com\/crypto\/btc) property, not currency, which means there are tax consequences. If you hold the [bitcoin](https:\/\/public.com\/crypto\/btc) for a year or less, any trading profits are taxed as short-term gains — at the same rates as ordinary income. But if you hold it for more than a year, your profits are taxed as long-term capital gains, at rates of 0%, 15% or 20% in 2021 depending on your income level. The IRS has more recently been [going after cryptocurrency holders](https:\/\/www.wsj.com\/articles\/irs-sending-warning-letters-to-more-than-10-000-cryptocurrency-holders-11564159523) who aren't reporting their digital currencies.\n\nIf owning the digital coins yourself isn’t appealing, there are also publicly traded [Bitcoin](https:\/\/public.com\/crypto\/btc) trusts, which are similar to ETFs or mutual funds, like the Grayscale [Bitcoin](https:\/\/public.com\/crypto\/btc) Trust (but watch out for high annual management fees, which is 2% for this Grayscale trust). But Bitcoin ETFs are [not yet](https:\/\/markets.businessinsider.com\/currencies\/news\/bitcoin-etf-could-finally-become-a-reality-in-2021-after-vaneck-filing-2020-12-1029926923) in the U.S.\n\nAnother option is investing in funds or companies that are focused on the technology underneath the cryptocurrency, blockchain — Intel, for example, [offers blockchain services](https:\/\/www.intel.com\/content\/www\/us\/en\/security\/blockchain-overview.html). It’s a way of getting exposure to Bitcoin but takes some risk off the table as you’re not investing in the cryptocurrency itself, Jariwala says.\n\nRemember: an investment in [Bitcoin](https:\/\/public.com\/crypto\/btc) — if it makes sense for you — should be an offshoot of your core portfolio. If you have excess money and are interested in cryptocurrency, it might make sense to invest a small amount of that in [Bitcoin](https:\/\/public.com\/crypto\/btc), but don’t put your retirement savings on the line.\n\n## More from Money:\n[DFA, a Cult Favorite of Financial Advisors, Finally Opened Its Funds to Everyday Investors](https:\/\/money.com\/dfa-value-funds-etf\/)\n\n[Pandemic or Not, These Stay-at-Home Stocks Are Just Getting Started](https:\/\/money.com\/stocks-coronavirus-vaccine\/)\n\n[Money's 2021 Real Estate Outlook: What to Expect for Mortgage Rates, Home Prices and More](https:\/\/money.com\/outlook-mortgage-rates-home-prices-2021\/)","meta_canonical":null}

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Boilerpipe Text	We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more . Money is not a client of any investment adviser featured on this page. The information provided on this page is for educational purposes only and is not intended as investment advice. Money does not offer advisory services. Bitcoin is starting the new year with a bang. While the cryptocurrency is only getting more popular, figuring out how — or even if — it fits into a traditional investment portfolio alongside stocks and bonds isn't easy. The digital currency hit an all-time high of $41,000 last week, before falling off sharply. It traded at about $32,000 midday Monday. While Bitcoin has now been around for more than a decade — and gotten its fair share of craze and criticism — institutional investors have recently been pouring in . Analysts at J.P. Morgan wrote in a note to clients this week that Bitcoin has the potential to rise as high as $146,000. Meanwhile, payment giant Paypal recently launched a service that allows its users to buy and sell bitcoin along with other cryptocurrencies and a new Visa credit card offers bitcoin rewards. Sure, Bitcoin seems to be all the rage right now, but it's important to remember that the digital currency has a history of volatility and is unregulated. Even though everyone is talking about it, investment decisions should be made with prudence, not from FOMO (fear of missing out), says Anjali Jariwala, certified financial advisor and founder of FIT Advisors. Bitcoin definitely isn’t for every investor — but if you decide it’s something you want to wade into, do so cautiously. What kind of asset is Bitcoin ? Gold has long been considered a safe-haven asset because its price tends to rise as stocks fall, or at least stay the same. Since Bitcoin’s launch in 2009, there have been many comparisons between the two assets — with some calling Bitcoin the “digital gold” — because Bitcoin also doesn’t seem to be directly correlated to stock performance. Both are also not issued by the federal government or a central bank, and have a limited supply: the creators of Bitcoin made sure only 21 million coins can be mined, and there’s only so much gold that can be dug up from the ground. Any asset that rises when stocks fall is useful for an investor as it diversifies their portfolio. But earlier this year, Bitcoin proved that it’s not the safe haven so many have made it out to be. When the market plummeted in March as COVID-19 hit the U.S., so did Bitcoin . Generally, correlation between Bitcoin and stocks is low, but that correlation tends to rise during “bad times,” says Nick Maggiulli, Chief Operating Officer at Ritholtz Wealth Management. “When things aren’t crazy it’s a good diversifier,” Maggiulli says of Bitcoin . “When things get really crazy, it’s not.” So while it may be tempting to jump on the Bitcoin bandwagon, don’t look at it as some kind of miracle elixir that is going to make you rich quick, but instead an option for a small part of your portfolio—5% at the most, some experts say. (Maggiulli recommends no more than 2%.) What are the risks of Bitcoin? With Bitcoin all over the news and its prices soaring, it’s no wonder that so many people are interested in investing, maybe even for the first time. Buying bitcoin can also be tempting because — since there’s no third party involved in a sale — it can be bought or sold quickly across nations. It also can also be exchanged securely, and is more difficult to counterfeit than cash. But skeptics of Bitcoin say it doesn't have intrinsic value and is a bubble that, eventually, will burst. The cryptocurrency can be very volatile. After hitting a record high in December of 2017, for example, Bitcoin plunged 50% the first month of 2018. So if you are looking to invest a small amount in Bitcoin , make sure it’s something you are going to hold onto for a longer period of time, not something you’re going to want to sell when the price drops and you get worried, Jariwala says. “You have to be comfortable with having that money potentially go away,” she adds. There are also security concerns when it comes to Bitcoin , as it is stored digitally. Many investors are worried about getting hacked or having someone steal their bitcoin, says Greg King, CEO of Osprey Funds. It’s important to have your Bitcoin investment backed by a robust safeguarding process, he adds (for example, Fidelity Investments is the custodian of his firm’s Osprey Bitcoin Trust). Bitcoin is also not regulated on an exchange. There are upsides to this — like no need to deal with a bank, for example — but it also makes the currency’s future uncertain. Maggiulli says the biggest risk to owning Bitcoin is its possibility of being banned. While this might seem far-fetched in the U.S., the Securities and Exchange Commission’s (SEC) recently filed a complaint against Ripple, a cryptocurrency creator, leading to its cryptocurrency being delisted from some exchanges . Also, as Maggiulli points out , the U.S. government did ban the ownership of gold in the 1930s. And keep in mind that it’s usually not a good idea to start investing in an asset when it’s at an all-time high, even if — or especially because — everyone else is doing it. How do you actually invest in Bitcoin ? If you’ve decided investing in a small amount of Bitcoin makes sense for you, you’ll need a “digital wallet” where the currency will be sent. You can buy bitcoins via a mainstream cryptocurrency exchange like Coinbase or Gemini, which would allow you to see the price performance like a stock or ETF. While most of those investing platforms only allow you to trade cryptocurrency, you can also trade Bitcoin with Robinhood , PayPal and Square. Keep in mind that the IRS considers Bitcoin property, not currency, which means there are tax consequences. If you hold the bitcoin for a year or less, any trading profits are taxed as short-term gains — at the same rates as ordinary income. But if you hold it for more than a year, your profits are taxed as long-term capital gains, at rates of 0%, 15% or 20% in 2021 depending on your income level. The IRS has more recently been going after cryptocurrency holders who aren't reporting their digital currencies. If owning the digital coins yourself isn’t appealing, there are also publicly traded Bitcoin trusts, which are similar to ETFs or mutual funds, like the Grayscale Bitcoin Trust (but watch out for high annual management fees, which is 2% for this Grayscale trust). But Bitcoin ETFs are not yet in the U.S. Another option is investing in funds or companies that are focused on the technology underneath the cryptocurrency, blockchain — Intel, for example, offers blockchain services . It’s a way of getting exposure to Bitcoin but takes some risk off the table as you’re not investing in the cryptocurrency itself, Jariwala says. Remember: an investment in Bitcoin — if it makes sense for you — should be an offshoot of your core portfolio. If you have excess money and are interested in cryptocurrency, it might make sense to invest a small amount of that in Bitcoin , but don’t put your retirement savings on the line. More from Money: DFA, a Cult Favorite of Financial Advisors, Finally Opened Its Funds to Everyday Investors Pandemic or Not, These Stay-at-Home Stocks Are Just Getting Started Money's 2021 Real Estate Outlook: What to Expect for Mortgage Rates, Home Prices and More
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[Stocks](https://money.com/stocks/) Share Share Page URL https://money.com/bitcoin-gold-stocks/ ![](data:image/png;base64,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) Link copied\! # How to Invest in Bitcoin Alongside Stocks and Bonds By: [Mallika Mitra](https://money.com/author/mallika-mitra/) ![Mallika Mitra, expert in Investing, Personal Finance, and Contributor at Money](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=) [Mallika Mitra](https://money.com/author/mallika-mitra/) Contributor \\| Joined May 2020 Mallika Mitra is a contributor to Money, where she covers investing, crypto, debt and many other personal finance beats. Her byline has appeared in the Wall Street Journal, Barrons, and USA Today. Has also written: - [3 Smart Moves for Investors After the Fed's Interest Rate Cut](https://money.com/fed-rate-cut-investors-advice/) - [How to Buy Stocks](https://money.com/how-to-buy-stocks/) - [Nasdaq Is Reducing the Influence of Giant Tech Firms in a Popular Stock Market Index](https://money.com/nasdaq-100-rebalance-tech-stocks/) - [Good News for Investors: Bull Markets Usually Last Way Longer Than Bears](https://money.com/how-long-bull-markets-last/) - [Forget FAANG, Meet the 'Magnificent Seven' Stocks Surging in 2023](https://money.com/faang-magnificent-seven-tech-stocks/) [See full bio](https://money.com/author/mallika-mitra/) Published: Jan 8, 2021 9 min read Money is not a client of any investment adviser featured on this page. The information provided on this page is for educational purposes only and is not intended as investment advice. Money does not offer advisory services. ![Bitcoin asset explanation](https://money.com/wp-content/uploads/2021/01/Bitcoin_asset_explanation.png?quality=60&w=600) Money; Shutterstock [Bitcoin](https://public.com/crypto/btc) is starting the new year with a bang. While the cryptocurrency is only getting more popular, figuring out how — or even if — it fits into a traditional investment portfolio alongside stocks and bonds isn't easy. The digital currency hit an all-time high of \$41,000 last week, before falling off sharply. It traded at about \$32,000 midday Monday. While [Bitcoin](https://public.com/crypto/btc) has now been around for more than a decade — and gotten its fair share of craze and criticism — institutional investors have recently been [pouring in](https://www.barrons.com/articles/bitcoin-rockets-higher-as-big-investors-start-to-take-sides-51605652483). Analysts at J.P. Morgan wrote in a note to clients this week that [Bitcoin](https://public.com/crypto/btc) has the potential to rise as high as \$146,000. Meanwhile, payment giant Paypal recently [launched a service](https://newsroom.paypal-corp.com/2020-10-21-PayPal-Launches-New-Service-Enabling-Users-to-Buy-Hold-and-Sell-Cryptocurrency) that allows its users to buy and sell bitcoin along with other cryptocurrencies and a [new Visa credit card](https://blockfi.com/bitcoin-card-crypto-rewards) offers bitcoin rewards. Sure, [Bitcoin](https://public.com/crypto/btc) seems to be all the rage right now, but it's important to remember that the digital currency has a history of volatility and is unregulated. Even though everyone is talking about it, investment decisions should be made with prudence, not from FOMO (fear of missing out), says Anjali Jariwala, certified financial advisor and founder of FIT Advisors. [Bitcoin](https://public.com/crypto/btc) definitely isn’t for every investor — but if you decide it’s something you want to wade into, do so cautiously. ## What kind of asset is [Bitcoin](https://public.com/crypto/btc)? Gold has long been considered [a safe-haven asset](https://money.com/how-to-buy-gold/) because its price tends to rise as stocks fall, or at least stay the same. Since [Bitcoin’s](https://public.com/crypto/btc) launch in 2009, there have been many comparisons between the two assets — with some calling [Bitcoin](https://public.com/crypto/btc) the “digital gold” — because [Bitcoin](https://public.com/crypto/btc) also doesn’t seem to be directly correlated to stock performance. Both are also not issued by the federal government or a central bank, and have a limited supply: the creators of Bitcoin made sure only 21 million coins can be mined, and there’s only so much gold that can be dug up from the ground. Any asset that rises when stocks fall is useful for an investor as it diversifies their portfolio. But earlier this year, [Bitcoin](https://public.com/crypto/btc) proved that it’s not the safe haven so many have made it out to be. When the market plummeted in March as COVID-19 hit the U.S., [so did Bitcoin](https://money.com/bitcoin-safe-haven-asset/). Generally, correlation between Bitcoin and stocks is low, but that correlation tends to rise during “bad times,” says Nick Maggiulli, Chief Operating Officer at Ritholtz Wealth Management. “When things aren’t crazy it’s a good diversifier,” Maggiulli says of [Bitcoin](https://public.com/crypto/btc). “When things get really crazy, it’s not.” So while it may be tempting to jump on the [Bitcoin](https://public.com/crypto/btc) bandwagon, don’t look at it as some kind of miracle elixir that is going to make you rich quick, but instead an option for a small part of your portfolio—5% at the most, some experts say. (Maggiulli [recommends](https://ofdollarsanddata.com/why-ive-changed-my-mind-on-bitcoin/) no more than 2%.) ## What are the risks of Bitcoin? With Bitcoin all over the news and its prices soaring, it’s no wonder that so many people are interested in investing, maybe even for the first time. Buying bitcoin can also be tempting because — since there’s no third party involved in a sale — it can be bought or sold quickly across nations. It also can also be exchanged securely, and is more difficult to counterfeit than cash. But skeptics of Bitcoin say it doesn't have intrinsic value and is a bubble that, eventually, will burst. The cryptocurrency can be very volatile. After hitting a record high in December of 2017, for example, [Bitcoin](https://public.com/crypto/btc) plunged 50% the first month of 2018. So if you are looking to invest a small amount in [Bitcoin](https://public.com/crypto/btc), make sure it’s something you are going to hold onto for a longer period of time, not something you’re going to want to sell when the price drops and you get worried, Jariwala says. “You have to be comfortable with having that money potentially go away,” she adds. There are also security concerns when it comes to [Bitcoin](https://public.com/crypto/btc), as it is stored digitally. Many investors are worried about getting hacked or having someone steal their bitcoin, says Greg King, CEO of Osprey Funds. It’s important to have your [Bitcoin](https://public.com/crypto/btc) investment backed by a robust safeguarding process, he adds (for example, Fidelity Investments is the custodian of his firm’s Osprey Bitcoin Trust). [Bitcoin](https://public.com/crypto/btc) is also not regulated on an exchange. There are upsides to this — like no need to deal with a bank, for example — but it also makes the currency’s future uncertain. Maggiulli says the biggest risk to owning [Bitcoin](https://public.com/crypto/btc) is its possibility of being banned. While this might seem far-fetched in the U.S., the Securities and Exchange Commission’s (SEC) recently filed a complaint against Ripple, a cryptocurrency creator, leading to its cryptocurrency being [delisted from some exchanges](https://markets.businessinsider.com/currencies/news/xrp-delisted-ripple-sec-complaint-coinbase-crypto-okcoin-trading-platform-2020-12-1029926814). Also, as Maggiulli [points out](https://ofdollarsanddata.com/why-ive-changed-my-mind-on-bitcoin/), the U.S. government did [ban the ownership of gold](https://www.history.com/this-day-in-history/fdr-takes-united-states-off-gold-standard) in the 1930s. And keep in mind that it’s usually not a good idea to start investing in an asset when it’s at an all-time high, even if — or especially because — everyone else is doing it. ## How do you actually invest in [Bitcoin](https://public.com/crypto/btc)? If you’ve decided investing in a small amount of Bitcoin makes sense for you, you’ll need a “digital wallet” where the currency will be sent. You can buy bitcoins via a mainstream cryptocurrency exchange like Coinbase or Gemini, which would allow you to see the price performance like a stock or ETF. While most of those investing platforms only allow you to trade cryptocurrency, you can also trade [Bitcoin](https://public.com/crypto/btc) with [Robinhood](https://money.com/how-to-use-robinhood-beginners/), PayPal and Square. Keep in mind that the IRS considers [Bitcoin](https://public.com/crypto/btc) property, not currency, which means there are tax consequences. If you hold the [bitcoin](https://public.com/crypto/btc) for a year or less, any trading profits are taxed as short-term gains — at the same rates as ordinary income. But if you hold it for more than a year, your profits are taxed as long-term capital gains, at rates of 0%, 15% or 20% in 2021 depending on your income level. The IRS has more recently been [going after cryptocurrency holders](https://www.wsj.com/articles/irs-sending-warning-letters-to-more-than-10-000-cryptocurrency-holders-11564159523) who aren't reporting their digital currencies. If owning the digital coins yourself isn’t appealing, there are also publicly traded [Bitcoin](https://public.com/crypto/btc) trusts, which are similar to ETFs or mutual funds, like the Grayscale [Bitcoin](https://public.com/crypto/btc) Trust (but watch out for high annual management fees, which is 2% for this Grayscale trust). But Bitcoin ETFs are [not yet](https://markets.businessinsider.com/currencies/news/bitcoin-etf-could-finally-become-a-reality-in-2021-after-vaneck-filing-2020-12-1029926923) in the U.S. Another option is investing in funds or companies that are focused on the technology underneath the cryptocurrency, blockchain — Intel, for example, [offers blockchain services](https://www.intel.com/content/www/us/en/security/blockchain-overview.html). It’s a way of getting exposure to Bitcoin but takes some risk off the table as you’re not investing in the cryptocurrency itself, Jariwala says. Remember: an investment in [Bitcoin](https://public.com/crypto/btc) — if it makes sense for you — should be an offshoot of your core portfolio. If you have excess money and are interested in cryptocurrency, it might make sense to invest a small amount of that in [Bitcoin](https://public.com/crypto/btc), but don’t put your retirement savings on the line. ## More from Money: [DFA, a Cult Favorite of Financial Advisors, Finally Opened Its Funds to Everyday Investors](https://money.com/dfa-value-funds-etf/) [Pandemic or Not, These Stay-at-Home Stocks Are Just Getting Started](https://money.com/stocks-coronavirus-vaccine/) [Money's 2021 Real Estate Outlook: What to Expect for Mortgage Rates, Home Prices and More](https://money.com/outlook-mortgage-rates-home-prices-2021/) - Categories - [Current Mortgage Rates](https://money.com/current-mortgage-rates/) - [Best Mortgage Lenders](https://money.com/best-mortgage-lenders/) - [How Much Home Can You Afford](https://money.com/how-much-house-can-i-afford/) - [Best Mortgage Refinance](https://money.com/best-mortgage-refinance/) - [Everything About Reverse Mortgages](https://money.com/what-is-a-reverse-mortgage/) - [Best Credit Cards](https://money.com/best-credit-cards/) - [Best Banks](https://money.com/best-banks/) - [Best Savings Accounts](https://money.com/best-savings-accounts/) - [Best Moving Companies](https://money.com/best-moving-companies/) - Best of Money - [Best Student Loans](https://money.com/student-loans/) - [Best Student Loan Refinance](https://money.com/best-student-loan-refinance/) - [Best Credit Repair](https://money.com/best-credit-repair-companies/) - [Best Personal Loans](https://money.com/best-personal-loans/) - [Best Auto Insurance](https://money.com/best-auto-insurance/) - [Cheapest Car Insurance](https://money.com/best-cheap-car-insurance/) - [Best Home Insurance](https://money.com/best-home-insurance/) - [Best Life Insurance](https://money.com/best-life-insurance/) - [Best Home Warranties](https://money.com/best-home-warranties/) - Resources - [Newsletters](https://money.com/subscribe/) - [Best Banks](https://money.com/best-banks/) - [Best Colleges](https://money.com/best-colleges/) - [Best Hospitals](https://money.com/best-hospitals/) - [Best Places to Live](https://money.com/best-places-to-live/) - [Best Places to Travel](https://money.com/best-places-to-travel/) - [Best Travel Insurance](https://money.com/best-travel-insurance/) - [Best Pet Insurance](https://money.com/best-pet-insurance/) - Money - [About](https://money.com/about/) - [Contact](https://money.com/contact/) - [Team](https://money.com/team/) - [Privacy Policy](https://money.com/privacy/) - [Terms of Use](https://money.com/terms/) - [Do Not Sell My Personal Information](https://www.adpractitioners.com/eu-data-request?site=money.com) - [Your California Privacy Rights](https://money.com/privacy/#privacy-notice-for-california-residents) - [Licenses & Disclosures](https://money.com/page/insurance-licenses/) - [Advertising](https://money.com/contact/) - [Sitemap](https://money.com/money/html-sitemap/) - [Careers](https://moneygroup.pr/careers/) Connect Physical Address Money Group, LLC Distrito T-Mobile 250 Convention Blvd San Juan, PR 00907 Mailing Address** Metro Office Park 7 calle 1, Suite 204 Guaynabo, PR 00968 ![BBB Rating A+](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAQAAAC1HAwCAAAAC0lEQVR42mNkYAAAAAYAAjCB0C8AAAAASUVORK5CYII=) BBB Rating A+ © Copyright 2026 [Money Group, LLC.](https://moneygroup.pr/). All Rights Reserved. [Terms of Use](https://money.com/terms/) \\| [Privacy Policy](https://money.com/privacy/) Money is an independent, advertiser-supported website and may receive compensation for some links to products and services throughout this website. Opinions expressed on this site are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, please read [our full disclaimer](https://money.com/page/disclaimer/). Invitations for insurance applications on services we own and operate are made through Money Group Ins, LLC, an insurance agent/producer, only where licensed. All license numbers are available [here](https://money.com/page/insurance-licenses/). this link is to an external site that may or may not meet accessibility guidelines.
Readable Markdown	We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). Money is not a client of any investment adviser featured on this page. The information provided on this page is for educational purposes only and is not intended as investment advice. Money does not offer advisory services. [Bitcoin](https://public.com/crypto/btc) is starting the new year with a bang. While the cryptocurrency is only getting more popular, figuring out how — or even if — it fits into a traditional investment portfolio alongside stocks and bonds isn't easy. The digital currency hit an all-time high of \$41,000 last week, before falling off sharply. It traded at about \$32,000 midday Monday. While [Bitcoin](https://public.com/crypto/btc) has now been around for more than a decade — and gotten its fair share of craze and criticism — institutional investors have recently been [pouring in](https://www.barrons.com/articles/bitcoin-rockets-higher-as-big-investors-start-to-take-sides-51605652483). Analysts at J.P. Morgan wrote in a note to clients this week that [Bitcoin](https://public.com/crypto/btc) has the potential to rise as high as \$146,000. Meanwhile, payment giant Paypal recently [launched a service](https://newsroom.paypal-corp.com/2020-10-21-PayPal-Launches-New-Service-Enabling-Users-to-Buy-Hold-and-Sell-Cryptocurrency) that allows its users to buy and sell bitcoin along with other cryptocurrencies and a [new Visa credit card](https://blockfi.com/bitcoin-card-crypto-rewards) offers bitcoin rewards. Sure, [Bitcoin](https://public.com/crypto/btc) seems to be all the rage right now, but it's important to remember that the digital currency has a history of volatility and is unregulated. Even though everyone is talking about it, investment decisions should be made with prudence, not from FOMO (fear of missing out), says Anjali Jariwala, certified financial advisor and founder of FIT Advisors. [Bitcoin](https://public.com/crypto/btc) definitely isn’t for every investor — but if you decide it’s something you want to wade into, do so cautiously. ## What kind of asset is [Bitcoin](https://public.com/crypto/btc)? Gold has long been considered [a safe-haven asset](https://money.com/how-to-buy-gold/) because its price tends to rise as stocks fall, or at least stay the same. Since [Bitcoin’s](https://public.com/crypto/btc) launch in 2009, there have been many comparisons between the two assets — with some calling [Bitcoin](https://public.com/crypto/btc) the “digital gold” — because [Bitcoin](https://public.com/crypto/btc) also doesn’t seem to be directly correlated to stock performance. Both are also not issued by the federal government or a central bank, and have a limited supply: the creators of Bitcoin made sure only 21 million coins can be mined, and there’s only so much gold that can be dug up from the ground. Any asset that rises when stocks fall is useful for an investor as it diversifies their portfolio. But earlier this year, [Bitcoin](https://public.com/crypto/btc) proved that it’s not the safe haven so many have made it out to be. When the market plummeted in March as COVID-19 hit the U.S., [so did Bitcoin](https://money.com/bitcoin-safe-haven-asset/). Generally, correlation between Bitcoin and stocks is low, but that correlation tends to rise during “bad times,” says Nick Maggiulli, Chief Operating Officer at Ritholtz Wealth Management. “When things aren’t crazy it’s a good diversifier,” Maggiulli says of [Bitcoin](https://public.com/crypto/btc). “When things get really crazy, it’s not.” So while it may be tempting to jump on the [Bitcoin](https://public.com/crypto/btc) bandwagon, don’t look at it as some kind of miracle elixir that is going to make you rich quick, but instead an option for a small part of your portfolio—5% at the most, some experts say. (Maggiulli [recommends](https://ofdollarsanddata.com/why-ive-changed-my-mind-on-bitcoin/) no more than 2%.) ## What are the risks of Bitcoin? With Bitcoin all over the news and its prices soaring, it’s no wonder that so many people are interested in investing, maybe even for the first time. Buying bitcoin can also be tempting because — since there’s no third party involved in a sale — it can be bought or sold quickly across nations. It also can also be exchanged securely, and is more difficult to counterfeit than cash. But skeptics of Bitcoin say it doesn't have intrinsic value and is a bubble that, eventually, will burst. The cryptocurrency can be very volatile. After hitting a record high in December of 2017, for example, [Bitcoin](https://public.com/crypto/btc) plunged 50% the first month of 2018. So if you are looking to invest a small amount in [Bitcoin](https://public.com/crypto/btc), make sure it’s something you are going to hold onto for a longer period of time, not something you’re going to want to sell when the price drops and you get worried, Jariwala says. “You have to be comfortable with having that money potentially go away,” she adds. There are also security concerns when it comes to [Bitcoin](https://public.com/crypto/btc), as it is stored digitally. Many investors are worried about getting hacked or having someone steal their bitcoin, says Greg King, CEO of Osprey Funds. It’s important to have your [Bitcoin](https://public.com/crypto/btc) investment backed by a robust safeguarding process, he adds (for example, Fidelity Investments is the custodian of his firm’s Osprey Bitcoin Trust). [Bitcoin](https://public.com/crypto/btc) is also not regulated on an exchange. There are upsides to this — like no need to deal with a bank, for example — but it also makes the currency’s future uncertain. Maggiulli says the biggest risk to owning [Bitcoin](https://public.com/crypto/btc) is its possibility of being banned. While this might seem far-fetched in the U.S., the Securities and Exchange Commission’s (SEC) recently filed a complaint against Ripple, a cryptocurrency creator, leading to its cryptocurrency being [delisted from some exchanges](https://markets.businessinsider.com/currencies/news/xrp-delisted-ripple-sec-complaint-coinbase-crypto-okcoin-trading-platform-2020-12-1029926814). Also, as Maggiulli [points out](https://ofdollarsanddata.com/why-ive-changed-my-mind-on-bitcoin/), the U.S. government did [ban the ownership of gold](https://www.history.com/this-day-in-history/fdr-takes-united-states-off-gold-standard) in the 1930s. And keep in mind that it’s usually not a good idea to start investing in an asset when it’s at an all-time high, even if — or especially because — everyone else is doing it. ## How do you actually invest in [Bitcoin](https://public.com/crypto/btc)? If you’ve decided investing in a small amount of Bitcoin makes sense for you, you’ll need a “digital wallet” where the currency will be sent. You can buy bitcoins via a mainstream cryptocurrency exchange like Coinbase or Gemini, which would allow you to see the price performance like a stock or ETF. While most of those investing platforms only allow you to trade cryptocurrency, you can also trade [Bitcoin](https://public.com/crypto/btc) with [Robinhood](https://money.com/how-to-use-robinhood-beginners/), PayPal and Square. Keep in mind that the IRS considers [Bitcoin](https://public.com/crypto/btc) property, not currency, which means there are tax consequences. If you hold the [bitcoin](https://public.com/crypto/btc) for a year or less, any trading profits are taxed as short-term gains — at the same rates as ordinary income. But if you hold it for more than a year, your profits are taxed as long-term capital gains, at rates of 0%, 15% or 20% in 2021 depending on your income level. The IRS has more recently been [going after cryptocurrency holders](https://www.wsj.com/articles/irs-sending-warning-letters-to-more-than-10-000-cryptocurrency-holders-11564159523) who aren't reporting their digital currencies. If owning the digital coins yourself isn’t appealing, there are also publicly traded [Bitcoin](https://public.com/crypto/btc) trusts, which are similar to ETFs or mutual funds, like the Grayscale [Bitcoin](https://public.com/crypto/btc) Trust (but watch out for high annual management fees, which is 2% for this Grayscale trust). But Bitcoin ETFs are [not yet](https://markets.businessinsider.com/currencies/news/bitcoin-etf-could-finally-become-a-reality-in-2021-after-vaneck-filing-2020-12-1029926923) in the U.S. Another option is investing in funds or companies that are focused on the technology underneath the cryptocurrency, blockchain — Intel, for example, [offers blockchain services](https://www.intel.com/content/www/us/en/security/blockchain-overview.html). It’s a way of getting exposure to Bitcoin but takes some risk off the table as you’re not investing in the cryptocurrency itself, Jariwala says. Remember: an investment in [Bitcoin](https://public.com/crypto/btc) — if it makes sense for you — should be an offshoot of your core portfolio. If you have excess money and are interested in cryptocurrency, it might make sense to invest a small amount of that in [Bitcoin](https://public.com/crypto/btc), but don’t put your retirement savings on the line. ## More from Money: [DFA, a Cult Favorite of Financial Advisors, Finally Opened Its Funds to Everyday Investors](https://money.com/dfa-value-funds-etf/) [Pandemic or Not, These Stay-at-Home Stocks Are Just Getting Started](https://money.com/stocks-coronavirus-vaccine/) [Money's 2021 Real Estate Outlook: What to Expect for Mortgage Rates, Home Prices and More](https://money.com/outlook-mortgage-rates-home-prices-2021/)
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