🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 51 (from laksa110)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa051.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://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.cnn.com\/2025\/06\/07\/business\/should-you-invest-in-crypto-now","crawl_time":1775577751,"first_indexed_time":1749299711,"http_code":200,"src_unparsed":"com,cnn!www,\/2025\/06\/07\/business\/should-you-invest-in-crypto-now s443","src_root_hash":"2312100192101524051","history_drop_reason":null,"meta_title":"Should you invest in crypto now? | CNN Business","meta_descriptions":["Much has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all."],"attrs_boilerpipe_text":"CNN\n — \nMuch has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all.\nCrucially, crypto has gained greater acceptance among regulators and large institutional investors as an asset class that is likely here to stay. The Securities and Exchange Commission now regulates spot bitcoin and ethereum exchange-traded funds. Coinbase, the crypto currency exchange, is now on the S&P 500.\nStablecoin\nprovider Circle just went public.\nThe Trump administration, meanwhile, is very supportive of crypto, and the Labor Department\njust rescinded\nits 2022 guidance urging 401(k) fiduciaries to “exercise extreme care” if they include a crypto investment option to plan participants.\nAd Feedback\nAd Feedback\nWith bitcoin now trading above $100,000 and US lawmakers actively\nworking on crypto regulations\n, it may be worth revisiting the question of whether you should have exposure in your portfolio. The answer will be highly personal, driven by your risk tolerance, time horizon and knowledge.\nDespite being a crypto advocate, Tyrone Ross, founder of financial planning firm 401 Financial, put it this way: “We have a long way to go before you should be YOLO-ing your way into crypto.”\nWhen financial advisers have been asked over the past several years whether they would recommend that clients invest in bitcoin or other cryptocurrencies, many were reluctant because digital assets were not regulated, pricing was highly volatile and their use case and valuation was hard for both adviser and client to understand. Unlike stocks, which can be valued on the basis of tangible components such a company’s goods and services, bitcoin is considered a store of value, and its price is driven by what others are willing to pay for it.\nThat caution was understandable, said Ric Edelman, who founded Edelman Financial Engines and then created the\nDigital Assets Council of Financial Professionals\n, which provides certification courses in blockchain and digital assets for financial professionals and investors.\nBut, at this point, Edelman believes that advisers who value diversification as a strategy in their clients’ portfolio — eg, across asset classes, sectors, etc. — would be remiss not to recommend adding at least a small amount of digital asset exposure.\n“They ought to be cautious. But being cautious doesn’t mean abstinence,” he noted. “We’ve seen bitcoin reach all-time highs and seen institutional investors engage for the first time.”\nSeveral years ago, when crypto’s future was far less certain, Edelman had recommended a 1% asset allocation to crypto, an amount small enough that even if a crypto investment fell to zero it would not greatly harm the long-term trajectory of a person’s portfolio.\nIn March this year, using bitcoin as an example, he compared the performance of a balanced 60% stocks\/40% bonds portfolio with an average annual return of 7% over a decade, to a portfolio where the equity portion is reduced to 59% in favor of a 1% investment in bitcoin. In the extreme, if bitcoin became worthless the average return would only drop to 6.9%. And, equally extreme, if the price rose to $1 million, the return would increase to 7.4%. If the equity portion were reduced to 57% with 3% put into bitcoin, the average return drops to 6.8% in the worthless scenario and jumps to 8.2% if bitcoin hits $1 million. If bitcoin exposure were upped to 5%, the downside return would be 6.7% and the upside return would be 9%.\nDespite bitcoin trading around $100,000 — a nosebleed level relative to where it had fallen during the so-called crypto winter of 2022 — Edelman believes that the price still has a lot of upward potential because the number of bitcoins is permanently limited and demand for it is increasing.\nFor those who have yet to invest in crypto and would like to, “the best place to begin is bitcoin,” Edelman said. “It is by the far the largest digital asset — and it’s the digital asset of choice for institutional investors.”\nAnd, he added, “it’s different than all other digital assets. It’s a store of value and a transmittal (instrument). All the others are designed for specific commercial uses and it’s far less certain as to which of the others will be successful.”\nBut investing directly in bitcoin and storing it in your own wallet can be a complicated proposition unless you know what you’re doing.\n“Scams are a big issue in this space,” Ross said.\nA far safer route for the novice crypto investor, he and Edelman said, is through an SEC-regulated bitcoin ETF.\nNot everyone is as immediately bullish as Edelman.\nIn a\nMarch note\nto clients,\nTIAA chief investment officer Niladri Mukherjee said, “While broadening enthusiasm around crypto adoption and the bitcoin ETFs are an encouraging sign for the industry, from an investment perspective, its value drivers will take time to develop and to be well understood by market participants.”\nGiven that the industry is still “quite opaque and unregulated,” Mukherjee added that individuals should do their due diligence before investing.\nBut even before you do that, gut check yourself. When asked who absolutely should\nnot\ninvest in crypto, Edelman was quick to reply: “Those who cannot emotionally tolerate volatility. Because we know (cryptocurrencies are) highly volatile. You’re likely to sell when prices are low.”\nThat’s especially the case if you decide to invest directly in a given coin.\nA good way to test your appetite for volatility is to consider how much you might spend on a nice meal at a favorite restaurant and invest that amount into crypto if it doesn’t strain your household budget. Then just watch to see what happens over the next several months, Ross said. “Track it, read about it, understand its ebbs and flows.”\nIn other words,\neducate yourself\nabout how things work before making any real commitment to it.\nThen if you think you’re comfortable enough, you might invest small amounts monthly — again, nothing that would compromise you financially, he suggested.\nIn terms of an overall allocation of your assets, Lazetta Rainey Braxton, founder of the financial planning firm The Real Wealth Coterie, said you want an amount that is small enough that it won’t undermine the valuation of your portfolio if things go south.\nAnd, she added, “(stick) with players that are well known and respected and have the infrastructure in place to make sure that they are offering a solid investment and also the information associated with that.”\nTrent Porter, a certified financial planner and certified public accountant at Priority Financial Partners, is not a big fan of crypto even with all the developments in recent months easing investment in the space.\n“My core advice remains unchanged: Crypto exposure should match an investor’s personal risk tolerance and capacity, keeping the allocation small (no more than 5%) for most people. Regulatory risk might have eased, but market risk is still very real, and as we all know, the regulatory environment can change quickly.”","attrs_markdown":"Thank You\\!\n\nYour effort and contribution in providing this feedback is much appreciated.\n\nClose\n\nAd Feedback\n\n[Business](https:\/\/www.cnn.com\/business)\n\n[Markets](https:\/\/www.cnn.com\/markets)\n\n[Tech](https:\/\/www.cnn.com\/business\/tech)\n\n[Media](https:\/\/www.cnn.com\/business\/media)\n\n[Calculators](https:\/\/www.cnn.com\/business\/financial-calculators)\n\n[Videos](https:\/\/www.cnn.com\/business\/videos)\n\n[More]()\n\n[Markets](https:\/\/www.cnn.com\/markets)   [Tech](https:\/\/www.cnn.com\/business\/tech)   [Media](https:\/\/www.cnn.com\/business\/media)   [Calculators](https:\/\/www.cnn.com\/business\/financial-calculators)   [Videos](https:\/\/www.cnn.com\/business\/videos)\n\n[Watch](https:\/\/www.cnn.com\/subscription\/all-access)   [Listen](https:\/\/www.cnn.com\/audio)\n\nSubscribe\n\nSign in\n\nMy Account\n\n- [Settings](https:\/\/www.cnn.com\/account\/settings)\n- [Newsletters](https:\/\/www.cnn.com\/newsletters)\n- [Topics you follow](https:\/\/www.cnn.com\/follow?iid=fw_var-nav)\n- [Sign out](https:\/\/www.cnn.com\/2025\/06\/07\/business\/should-you-invest-in-crypto-now)\n\nYour CNN account Sign in to your CNN account\n***\nSign in\n\nMy Account\n\n- [Settings](https:\/\/www.cnn.com\/account\/settings)\n- [Newsletters](https:\/\/www.cnn.com\/newsletters)\n- [Topics you follow](https:\/\/www.cnn.com\/follow?iid=fw_var-nav)\n- [Sign out](https:\/\/www.cnn.com\/2025\/06\/07\/business\/should-you-invest-in-crypto-now)\n\nYour CNN account Sign in to your CNN account\n***\n[Listen](https:\/\/www.cnn.com\/audio)   [Watch](https:\/\/www.cnn.com\/subscription\/all-access)\n***\nEdition\n\n[US](https:\/\/us.cnn.com\/?hpt=header_edition-picker)\n\n[International](https:\/\/edition.cnn.com\/?hpt=header_edition-picker)\n\n[Arabic](https:\/\/arabic.cnn.com\/?hpt=header_edition-picker)\n\n[Español](https:\/\/cnnespanol.cnn.com\/?hpt=header_edition-picker)\n\nEdition\n\n- [US](https:\/\/us.cnn.com\/?hpt=header_edition-picker)\n- [International](https:\/\/edition.cnn.com\/?hpt=header_edition-picker)\n- [Arabic](https:\/\/arabic.cnn.com\/?hpt=header_edition-picker)\n- [Español](https:\/\/cnnespanol.cnn.com\/?hpt=header_edition-picker)\n***\n[Markets](https:\/\/www.cnn.com\/markets)\n\n[Tech](https:\/\/www.cnn.com\/business\/tech)\n\n[Media](https:\/\/www.cnn.com\/business\/media)\n\n[Calculators](https:\/\/www.cnn.com\/business\/financial-calculators)\n\n[Videos](https:\/\/www.cnn.com\/business\/videos)\n***\nFollow CNN\n\nDownload the CNN App\n***\n\n- [US](https:\/\/www.cnn.com\/us)\n  - [Crime & Justice](https:\/\/www.cnn.com\/us\/crime-and-justice)\n  - [Immigration](https:\/\/www.cnn.com\/us\/immigration)\n  - [Education](https:\/\/www.cnn.com\/us\/education)\n  - [Transportation](https:\/\/www.cnn.com\/us\/transportation)\n  - [Race & Identity](https:\/\/www.cnn.com\/us\/race-and-identity)\n- [World](https:\/\/www.cnn.com\/world)\n  - [Africa](https:\/\/www.cnn.com\/world\/africa)\n  - [Americas](https:\/\/www.cnn.com\/world\/americas)\n  - [Asia](https:\/\/www.cnn.com\/world\/asia)\n  - [Australia](https:\/\/www.cnn.com\/world\/australia)\n  - [China](https:\/\/www.cnn.com\/world\/china)\n  - [Europe](https:\/\/www.cnn.com\/world\/europe)\n  - [India](https:\/\/www.cnn.com\/world\/india)\n  - [Middle East](https:\/\/www.cnn.com\/world\/middle-east)\n  - [United Kingdom](https:\/\/www.cnn.com\/world\/united-kingdom)\n- [Politics](https:\/\/www.cnn.com\/politics)\n  - [Elections 2026](https:\/\/www.cnn.com\/election\/2026)\n  - [Trump](https:\/\/www.cnn.com\/politics\/president-donald-trump-47)\n  - [Facts First](https:\/\/www.cnn.com\/politics\/fact-check)\n  - [CNN Polls](https:\/\/www.cnn.com\/polling)\n  - [Redistricting Tracker](https:\/\/www.cnn.com\/politics\/state-redistricting-maps-vis\/index.html)\n  - [Epstein Files](https:\/\/www.cnn.com\/politics\/epstein-files)\n- [Business](https:\/\/www.cnn.com\/business)\n  - [Tech](https:\/\/www.cnn.com\/business\/tech)\n  - [Media](https:\/\/www.cnn.com\/business\/media)\n  - [Calculators](https:\/\/www.cnn.com\/business\/financial-calculators)\n  - [Videos](https:\/\/www.cnn.com\/business\/videos)\n- [Markets](https:\/\/www.cnn.com\/markets)\n  - [Pre-markets](https:\/\/www.cnn.com\/markets\/premarkets)\n  - [After-Hours](https:\/\/www.cnn.com\/markets\/after-hours)\n  - [Fear & Greed](https:\/\/www.cnn.com\/markets\/fear-and-greed)\n  - [Investing](https:\/\/www.cnn.com\/business\/investing)\n  - [Markets Now](https:\/\/www.cnn.com\/business\/markets-now)\n  - [Nightcap](https:\/\/www.cnn.com\/business\/markets\/nightcap)\n- [Health](https:\/\/www.cnn.com\/health)\n  - [Life, But Better](https:\/\/www.cnn.com\/interactive\/life-but-better\/)\n  - [Fitness](https:\/\/www.cnn.com\/health\/life-but-better\/fitness)\n  - [Food](https:\/\/www.cnn.com\/health\/life-but-better\/food)\n  - [Sleep](https:\/\/www.cnn.com\/health\/life-but-better\/sleep)\n  - [Mindfulness](https:\/\/www.cnn.com\/health\/life-but-better\/mindfulness)\n  - [Relationships](https:\/\/www.cnn.com\/health\/life-but-better\/relationships)\n- [CNN Underscored](https:\/\/www.cnn.com\/cnn-underscored)\n  - [Electronics](https:\/\/www.cnn.com\/cnn-underscored\/electronics)\n  - [Fashion](https:\/\/www.cnn.com\/cnn-underscored\/fashion)\n  - [Beauty](https:\/\/www.cnn.com\/cnn-underscored\/beauty)\n  - [Health & Fitness](https:\/\/www.cnn.com\/cnn-underscored\/health-fitness)\n  - [Home](https:\/\/www.cnn.com\/cnn-underscored\/home)\n  - [Reviews](https:\/\/www.cnn.com\/cnn-underscored\/reviews)\n  - [Deals](https:\/\/www.cnn.com\/cnn-underscored\/deals)\n  - [Gifts](https:\/\/www.cnn.com\/cnn-underscored\/gifts)\n  - [Travel](https:\/\/www.cnn.com\/cnn-underscored\/travel)\n  - [Outdoors](https:\/\/www.cnn.com\/cnn-underscored\/outdoors)\n  - [Pets](https:\/\/www.cnn.com\/cnn-underscored\/pets)\n- [Entertainment](https:\/\/www.cnn.com\/entertainment)\n  - [Movies](https:\/\/www.cnn.com\/entertainment\/movies)\n  - [Television](https:\/\/www.cnn.com\/entertainment\/tv-shows)\n  - [Celebrity](https:\/\/www.cnn.com\/entertainment\/celebrities)\n- [Tech](https:\/\/www.cnn.com\/business\/tech)\n  - [Innovate](https:\/\/www.cnn.com\/business\/tech\/innovate)\n- [Style](https:\/\/www.cnn.com\/style)\n  - [Arts](https:\/\/www.cnn.com\/style\/arts)\n  - [Design](https:\/\/www.cnn.com\/style\/design)\n  - [Fashion](https:\/\/www.cnn.com\/style\/fashion)\n  - [Architecture](https:\/\/www.cnn.com\/style\/architecture)\n  - [Luxury](https:\/\/www.cnn.com\/style\/luxury)\n  - [Beauty](https:\/\/www.cnn.com\/style\/beauty)\n  - [Video](https:\/\/www.cnn.com\/style\/videos)\n- [Travel](https:\/\/www.cnn.com\/travel)\n  - [Destinations](https:\/\/www.cnn.com\/travel\/destinations)\n  - [Food & Drink](https:\/\/www.cnn.com\/travel\/food-and-drink)\n  - [Stay](https:\/\/www.cnn.com\/travel\/stay)\n  - [Videos](https:\/\/www.cnn.com\/travel\/videos)\n- [Sports](https:\/\/www.cnn.com\/sports)\n  - [NFL](https:\/\/www.cnn.com\/sport\/nfl)\n  - [NBA](https:\/\/www.cnn.com\/sport\/nba)\n  - [MLB](https:\/\/www.cnn.com\/sport\/mlb)\n  - [WNBA](https:\/\/www.cnn.com\/sport\/wnba)\n  - [Golf](https:\/\/www.cnn.com\/sport\/golf)\n  - [Soccer](https:\/\/www.cnn.com\/sport\/soccer)\n  - [Tennis](https:\/\/www.cnn.com\/sport\/tennis)\n  - [Motorsport](https:\/\/www.cnn.com\/sport\/motorsport)\n  - [College Sports](https:\/\/www.cnn.com\/sport\/college-sports)\n  - [Olympics](https:\/\/www.cnn.com\/sport\/milan-cortina-winter-olympics-2026)\n  - [Bleacher Report](https:\/\/bleacherreport.com\/)\n- [Science](https:\/\/www.cnn.com\/science)\n  - [Space](https:\/\/www.cnn.com\/science\/space)\n  - [Life](https:\/\/www.cnn.com\/science\/life)\n  - [Unearthed](https:\/\/www.cnn.com\/science\/unearthed)\n- [Climate](https:\/\/www.cnn.com\/climate)\n  - [Solutions](https:\/\/www.cnn.com\/climate\/solutions)\n  - [Weather](https:\/\/www.cnn.com\/weather)\n- [Weather](https:\/\/www.cnn.com\/weather)\n  - [Video](https:\/\/www.cnn.com\/weather\/video)\n  - [Climate](https:\/\/www.cnn.com\/climate)\n- [Ukraine-Russia War](https:\/\/www.cnn.com\/world\/europe\/ukraine)\n- [Israel-Hamas War](https:\/\/www.cnn.com\/world\/middleeast\/israel)\n- [Watch](https:\/\/www.cnn.com\/watch)\n  - [Featured](https:\/\/www.cnn.com\/watch)\n  - [Shows & Films](https:\/\/www.cnn.com\/watch#shows-films)\n  - [Network TV](https:\/\/www.cnn.com\/videos\/live)\n  - [Clips](https:\/\/www.cnn.com\/videos)\n  - [CNN Headlines](https:\/\/www.cnn.com\/videos\/fast\/cnn-headlines)\n  - [Shows A-Z](https:\/\/www.cnn.com\/tv\/all-shows)\n  - [CNN 10](https:\/\/www.cnn10.com\/)\n  - [CNN TV Schedule](https:\/\/www.cnn.com\/tv\/schedule\/cnn)\n- [Listen](https:\/\/www.cnn.com\/audio)\n  - [CNN 5 Things](https:\/\/www.cnn.com\/audio\/podcasts\/5-things)\n  - [Chasing Life with Dr. Sanjay Gupta](https:\/\/www.cnn.com\/audio\/podcasts\/chasing-life)\n  - [The Assignment with Audie Cornish](https:\/\/www.cnn.com\/audio\/podcasts\/the-assignment)\n  - [One Thing](https:\/\/www.cnn.com\/audio\/podcasts\/one-thing)\n  - [Tug of War](https:\/\/www.cnn.com\/audio\/podcasts\/tug-of-war)\n  - [CNN Political Briefing](https:\/\/www.cnn.com\/audio\/podcasts\/political-briefing)\n  - [The Axe Files](https:\/\/www.cnn.com\/audio\/podcasts\/axe-files)\n  - [All There Is with Anderson Cooper](https:\/\/www.cnn.com\/audio\/podcasts\/all-there-is-with-anderson-cooper)\n  - [All CNN Audio podcasts](https:\/\/www.cnn.com\/audio)\n- [Games](https:\/\/www.cnn.com\/games)\n  - [Daily Crossword](https:\/\/www.cnn.com\/games\/play\/cnn-crossword)\n  - [Jumble Crossword](https:\/\/www.cnn.com\/games\/play\/jumble-crossword-daily)\n  - [Photo Shuffle](https:\/\/www.cnn.com\/games\/play\/photo-shuffle)\n  - [Sudoblock](https:\/\/www.cnn.com\/games\/play\/sudoblock)\n  - [Sudoku](https:\/\/www.cnn.com\/games\/play\/daily-sudoku)\n  - [5 Things Quiz](https:\/\/cnn.it\/5thingsquiz)\n- [About CNN](https:\/\/www.cnn.com\/about)\n  - [Subscribe](https:\/\/www.cnn.com\/subscription?source=sub_web_footersubnav-link)\n  - [Photos](https:\/\/www.cnn.com\/world\/photos)\n  - [Investigations](https:\/\/www.cnn.com\/us\/cnn-investigates)\n  - [CNN Profiles](https:\/\/www.cnn.com\/profiles)\n  - [CNN Leadership](https:\/\/www.cnn.com\/profiles\/cnn-leadership)\n  - [CNN Newsletters](https:\/\/www.cnn.com\/newsletters)\n  - [Work for CNN](https:\/\/careers.wbd.com\/cnnjobs)\n***\nDownload the CNN App\n\nMarkets\n\nDOW 46,334.00 \\-335.88 0\\.72%\n\nS\\&P 500 6,564.79 \\-47.04 0\\.71%\n\nNASDAQ 21,775.82 \\-220.52 1\\.00%\n\nHot Stocks\n\n[INTC](https:\/\/www.cnn.com\/markets\/stocks\/INTC)\n\nIntel Corporation\n\n51\\.90\n\n\\+ 1.12\n\n2\\.21%\n\n[SKYQ](https:\/\/www.cnn.com\/markets\/stocks\/SKYQ)\n\nSky Quarry, Inc.\n\n7\\.35\n\n\\+ 2.35\n\n47\\.01%\n\n[NVDA](https:\/\/www.cnn.com\/markets\/stocks\/NVDA)\n\nNVIDIA Corporation\n\n174\\.86\n\n\\- 2.78\n\n1\\.57%\n\nFear & Greed Index\n\n21\n\n[extreme fear is driving the US market](https:\/\/www.cnn.com\/markets\/fear-and-greed?utm_source=business_ribbon)\n\nLatest Market News\n\n- [Report: Losing your job to AI doesn’t just lead to unemployment, it leaves lasting scars](https:\/\/www.cnn.com\/2026\/04\/07\/economy\/ai-job-losses-long-term-effects?utm_source=business_ribbon)\n- [The sneaky — and not-so-sneaky — ways that companies are raising prices due to the Iran war](https:\/\/www.cnn.com\/2026\/04\/07\/economy\/fuel-surcharge-fees-added-oil?utm_source=business_ribbon)\n- [Bill Ackman’s fund wants to buy Universal Music](https:\/\/www.cnn.com\/2026\/04\/07\/business\/bill-ackman-pershing-square-universal-music-intl?utm_source=business_ribbon)\n\nHot Stocks\n\n21\n\n[extreme fear is driving the US market](https:\/\/www.cnn.com\/markets\/fear-and-greed?utm_source=business_ribbon)\n\nSomething isn't loading properly. Please check back later.\n\nAd Feedback\n\n[![](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn-fallback-image.jpg)](https:\/\/www.cnn.com\/specials\/success\/wealth-coach)\n\n# Should you invest in crypto now?\n[![Jeanne Sahadi](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn-fallback-image.jpg)](https:\/\/www.cnn.com\/profiles\/jeanne-sahadi)\n\nBy [Jeanne Sahadi](https:\/\/www.cnn.com\/profiles\/jeanne-sahadi), CNN\n\n6 min read\n\nPublished 8:00 AM EDT, Sat June 7, 2025\n\nLink Copied\\!\n\nFollow:\n\nCrypto\n\n[See your latest updates](https:\/\/www.cnn.com\/follow?iid=follow_see_all_article&source=acq_web_experiments_follow_card-social-bar-all)\n\n![Bitcoin is now trading at over \\$100,000, a far cry from where it was during the 'crypto winter' in 2022.](https:\/\/media.cnn.com\/api\/v1\/images\/stellar\/prod\/2023-10-24t101911z-264334327-rc2yy3ajx1or-rtrmadp-3-fintech-crypto-bitcoin.JPG?c=16x9&q=h_833,w_1480,c_fill)\n\nBitcoin is now trading at over \\$100,000, a far cry from where it was during the 'crypto winter' in 2022.\n\nDado Ruvic\/Reuters\n\nCNN\n\n—\n\nMuch has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all.\n\nCrucially, crypto has gained greater acceptance among regulators and large institutional investors as an asset class that is likely here to stay. The Securities and Exchange Commission now regulates spot bitcoin and ethereum exchange-traded funds. Coinbase, the crypto currency exchange, is now on the S\\&P 500. [Stablecoin](https:\/\/www.cnn.com\/2025\/06\/05\/business\/stablecoins-crypto-genius-act) provider Circle just went public.\n\nThe Trump administration, meanwhile, is very supportive of crypto, and the Labor Department [just rescinded](https:\/\/www.dol.gov\/newsroom\/releases\/ebsa\/ebsa20250528) its 2022 guidance urging 401(k) fiduciaries to “exercise extreme care” if they include a crypto investment option to plan participants.\n\nAd Feedback\n\nAd Feedback\n\nWith bitcoin now trading above \\$100,000 and US lawmakers actively [working on crypto regulations](https:\/\/www.cnn.com\/2025\/06\/05\/business\/stablecoins-crypto-genius-act), it may be worth revisiting the question of whether you should have exposure in your portfolio. The answer will be highly personal, driven by your risk tolerance, time horizon and knowledge.\n\nDespite being a crypto advocate, Tyrone Ross, founder of financial planning firm 401 Financial, put it this way: “We have a long way to go before you should be YOLO-ing your way into crypto.”\n\n## Why it might be a good idea\nWhen financial advisers have been asked over the past several years whether they would recommend that clients invest in bitcoin or other cryptocurrencies, many were reluctant because digital assets were not regulated, pricing was highly volatile and their use case and valuation was hard for both adviser and client to understand. Unlike stocks, which can be valued on the basis of tangible components such a company’s goods and services, bitcoin is considered a store of value, and its price is driven by what others are willing to pay for it.\n\nThat caution was understandable, said Ric Edelman, who founded Edelman Financial Engines and then created the [Digital Assets Council of Financial Professionals](https:\/\/dacfp.com\/), which provides certification courses in blockchain and digital assets for financial professionals and investors.\n\nBut, at this point, Edelman believes that advisers who value diversification as a strategy in their clients’ portfolio — eg, across asset classes, sectors, etc. — would be remiss not to recommend adding at least a small amount of digital asset exposure.\n\n“They ought to be cautious. But being cautious doesn’t mean abstinence,” he noted. “We’ve seen bitcoin reach all-time highs and seen institutional investors engage for the first time.”\n\nSeveral years ago, when crypto’s future was far less certain, Edelman had recommended a 1% asset allocation to crypto, an amount small enough that even if a crypto investment fell to zero it would not greatly harm the long-term trajectory of a person’s portfolio.\n\nIn March this year, using bitcoin as an example, he compared the performance of a balanced 60% stocks\/40% bonds portfolio with an average annual return of 7% over a decade, to a portfolio where the equity portion is reduced to 59% in favor of a 1% investment in bitcoin. In the extreme, if bitcoin became worthless the average return would only drop to 6.9%. And, equally extreme, if the price rose to \\$1 million, the return would increase to 7.4%. If the equity portion were reduced to 57% with 3% put into bitcoin, the average return drops to 6.8% in the worthless scenario and jumps to 8.2% if bitcoin hits \\$1 million. If bitcoin exposure were upped to 5%, the downside return would be 6.7% and the upside return would be 9%.\n\nDespite bitcoin trading around \\$100,000 — a nosebleed level relative to where it had fallen during the so-called crypto winter of 2022 — Edelman believes that the price still has a lot of upward potential because the number of bitcoins is permanently limited and demand for it is increasing.\n\n## Bitcoin ETFs are likely safest bet, advisers say\nFor those who have yet to invest in crypto and would like to, “the best place to begin is bitcoin,” Edelman said. “It is by the far the largest digital asset — and it’s the digital asset of choice for institutional investors.”\n\nAnd, he added, “it’s different than all other digital assets. It’s a store of value and a transmittal (instrument). All the others are designed for specific commercial uses and it’s far less certain as to which of the others will be successful.”\n\nBut investing directly in bitcoin and storing it in your own wallet can be a complicated proposition unless you know what you’re doing.\n\n“Scams are a big issue in this space,” Ross said.\n\nA far safer route for the novice crypto investor, he and Edelman said, is through an SEC-regulated bitcoin ETF.\n\n## Why it’s not for everyone\nNot everyone is as immediately bullish as Edelman.\n\nIn a [March note](https:\/\/www.tiaa.org\/public\/pdf\/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) to clients,TIAA chief investment officer Niladri Mukherjee said, “While broadening enthusiasm around crypto adoption and the bitcoin ETFs are an encouraging sign for the industry, from an investment perspective, its value drivers will take time to develop and to be well understood by market participants.”\n\n[![Trump and his sons' crypto endeavors are expanding, creating more and more avenues for potential corruption.](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn-fallback-image.jpg) Trump and his sons' crypto endeavors are expanding, creating more and more avenues for potential corruption. Brendan Smialowski\/AFP\/Getty Images Related article Trump’s crypto conflicts keep piling up. He’s not even trying to hide them](https:\/\/www.cnn.com\/2025\/05\/14\/business\/trump-family-crypto-nightcap)\n\nGiven that the industry is still “quite opaque and unregulated,” Mukherjee added that individuals should do their due diligence before investing.\n\nBut even before you do that, gut check yourself. When asked who absolutely should *not* invest in crypto, Edelman was quick to reply: “Those who cannot emotionally tolerate volatility. Because we know (cryptocurrencies are) highly volatile. You’re likely to sell when prices are low.”\n\nThat’s especially the case if you decide to invest directly in a given coin.\n\nA good way to test your appetite for volatility is to consider how much you might spend on a nice meal at a favorite restaurant and invest that amount into crypto if it doesn’t strain your household budget. Then just watch to see what happens over the next several months, Ross said. “Track it, read about it, understand its ebbs and flows.”\n\nIn other words, [educate yourself](https:\/\/www.tiaa.org\/public\/pdf\/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) about how things work before making any real commitment to it.\n\nThen if you think you’re comfortable enough, you might invest small amounts monthly — again, nothing that would compromise you financially, he suggested.\n\nIn terms of an overall allocation of your assets, Lazetta Rainey Braxton, founder of the financial planning firm The Real Wealth Coterie, said you want an amount that is small enough that it won’t undermine the valuation of your portfolio if things go south.\n\nAnd, she added, “(stick) with players that are well known and respected and have the infrastructure in place to make sure that they are offering a solid investment and also the information associated with that.”\n\nTrent Porter, a certified financial planner and certified public accountant at Priority Financial Partners, is not a big fan of crypto even with all the developments in recent months easing investment in the space.\n\n“My core advice remains unchanged: Crypto exposure should match an investor’s personal risk tolerance and capacity, keeping the allocation small (no more than 5%) for most people. Regulatory risk might have eased, but market risk is still very real, and as we all know, the regulatory environment can change quickly.”\n\nRelated\n\n[![]()]()\n\nAd Feedback\n\n### CNN Business Videos\n- [![José Andrés and Eric Ripert](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn-fallback-image.jpg) CNN](https:\/\/www.cnn.com\/2026\/04\/07\/business\/video\/chef-jose-andres-nonprofit-1on1-vod)\n  [Video José Andrés on founding World Central Kitchen 3:42 Apr 7, 2026](https:\/\/www.cnn.com\/2026\/04\/07\/business\/video\/chef-jose-andres-nonprofit-1on1-vod)\n- [![José Andrés and Eric Ripert](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn-fallback-image.jpg) CNN](https:\/\/www.cnn.com\/chef-eric-ripert-1on1-vod)\n  [Video How Eric Ripert changed kitchens: ‘It was all my fault’ 2:50 Apr 7, 2026](https:\/\/www.cnn.com\/chef-eric-ripert-1on1-vod)\n- [![José Andrés and Eric Ripert](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn-fallback-image.jpg) CNN](https:\/\/www.cnn.com\/2026\/04\/07\/business\/video\/chefs-jose-andres-eric-ripert-bourdain-1on1-vod)\n  [Video José Andrés and Eric Ripert on their early years 3:09 Apr 7, 2026](https:\/\/www.cnn.com\/2026\/04\/07\/business\/video\/chefs-jose-andres-eric-ripert-bourdain-1on1-vod)\n- [![ronan thumbnail .png](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn-fallback-image.jpg) cnn](https:\/\/www.cnn.com\/2026\/04\/06\/business\/video\/ac360-the-new-yorker-sam-altman-may-control-our-futurecan-he-be-trusted)\n  [Video The New Yorker: Sam Altman May Control Our Future—Can He Be Trusted? 5:19 Apr 7, 2026](https:\/\/www.cnn.com\/2026\/04\/06\/business\/video\/ac360-the-new-yorker-sam-altman-may-control-our-futurecan-he-be-trusted)\n\nAd Feedback\n\nAd Feedback\n\nSubscribe\n\nSign in\n\nMy Account\n\n- [Settings](https:\/\/www.cnn.com\/account\/settings)\n- [Newsletters](https:\/\/www.cnn.com\/newsletters)\n- [Topics you follow](https:\/\/www.cnn.com\/follow?iid=fw_var-nav)\n- [Sign out](https:\/\/www.cnn.com\/2025\/06\/07\/business\/should-you-invest-in-crypto-now)\n\nYour CNN account Sign in to your CNN account\n***\n[Listen](https:\/\/www.cnn.com\/audio)   [Watch](https:\/\/www.cnn.com\/watch)\n***\n- [US](https:\/\/www.cnn.com\/us)\n  - [Crime & Justice](https:\/\/www.cnn.com\/us\/crime-and-justice)\n  - [Immigration](https:\/\/www.cnn.com\/us\/immigration)\n  - [Education](https:\/\/www.cnn.com\/us\/education)\n  - [Transportation](https:\/\/www.cnn.com\/us\/transportation)\n  - [Race & Identity](https:\/\/www.cnn.com\/us\/race-and-identity)\n- [World](https:\/\/www.cnn.com\/world)\n  - [Africa](https:\/\/www.cnn.com\/world\/africa)\n  - [Americas](https:\/\/www.cnn.com\/world\/americas)\n  - [Asia](https:\/\/www.cnn.com\/world\/asia)\n  - [Australia](https:\/\/www.cnn.com\/world\/australia)\n  - [China](https:\/\/www.cnn.com\/world\/china)\n  - [Europe](https:\/\/www.cnn.com\/world\/europe)\n  - [India](https:\/\/www.cnn.com\/world\/india)\n  - [Middle East](https:\/\/www.cnn.com\/world\/middle-east)\n  - [United Kingdom](https:\/\/www.cnn.com\/world\/united-kingdom)\n- [Politics](https:\/\/www.cnn.com\/politics)\n  - [Elections 2026](https:\/\/www.cnn.com\/election\/2026)\n  - [Trump](https:\/\/www.cnn.com\/politics\/president-donald-trump-47)\n  - [Facts First](https:\/\/www.cnn.com\/politics\/fact-check)\n  - [CNN Polls](https:\/\/www.cnn.com\/polling)\n  - [Redistricting Tracker](https:\/\/www.cnn.com\/politics\/state-redistricting-maps-vis\/index.html)\n  - [Epstein Files](https:\/\/www.cnn.com\/politics\/epstein-files)\n- [Business](https:\/\/www.cnn.com\/business)\n  - [Tech](https:\/\/www.cnn.com\/business\/tech)\n  - [Media](https:\/\/www.cnn.com\/business\/media)\n  - [Calculators](https:\/\/www.cnn.com\/business\/financial-calculators)\n  - [Videos](https:\/\/www.cnn.com\/business\/videos)\n- [Markets](https:\/\/www.cnn.com\/markets)\n  - [Pre-markets](https:\/\/www.cnn.com\/markets\/premarkets)\n  - [After-Hours](https:\/\/www.cnn.com\/markets\/after-hours)\n  - [Fear & Greed](https:\/\/www.cnn.com\/markets\/fear-and-greed)\n  - [Investing](https:\/\/www.cnn.com\/business\/investing)\n  - [Markets Now](https:\/\/www.cnn.com\/business\/markets-now)\n  - [Nightcap](https:\/\/www.cnn.com\/business\/markets\/nightcap)\n- [Health](https:\/\/www.cnn.com\/health)\n  - [Life, But Better](https:\/\/www.cnn.com\/interactive\/life-but-better\/)\n  - [Fitness](https:\/\/www.cnn.com\/health\/life-but-better\/fitness)\n  - [Food](https:\/\/www.cnn.com\/health\/life-but-better\/food)\n  - [Sleep](https:\/\/www.cnn.com\/health\/life-but-better\/sleep)\n  - [Mindfulness](https:\/\/www.cnn.com\/health\/life-but-better\/mindfulness)\n  - [Relationships](https:\/\/www.cnn.com\/health\/life-but-better\/relationships)\n- [CNN Underscored](https:\/\/www.cnn.com\/cnn-underscored)\n  - [Electronics](https:\/\/www.cnn.com\/cnn-underscored\/electronics)\n  - [Fashion](https:\/\/www.cnn.com\/cnn-underscored\/fashion)\n  - [Beauty](https:\/\/www.cnn.com\/cnn-underscored\/beauty)\n  - [Health & Fitness](https:\/\/www.cnn.com\/cnn-underscored\/health-fitness)\n  - [Home](https:\/\/www.cnn.com\/cnn-underscored\/home)\n  - [Reviews](https:\/\/www.cnn.com\/cnn-underscored\/reviews)\n  - [Deals](https:\/\/www.cnn.com\/cnn-underscored\/deals)\n  - [Gifts](https:\/\/www.cnn.com\/cnn-underscored\/gifts)\n  - [Travel](https:\/\/www.cnn.com\/cnn-underscored\/travel)\n  - [Outdoors](https:\/\/www.cnn.com\/cnn-underscored\/outdoors)\n  - [Pets](https:\/\/www.cnn.com\/cnn-underscored\/pets)\n- [Entertainment](https:\/\/www.cnn.com\/entertainment)\n  - [Movies](https:\/\/www.cnn.com\/entertainment\/movies)\n  - [Television](https:\/\/www.cnn.com\/entertainment\/tv-shows)\n  - [Celebrity](https:\/\/www.cnn.com\/entertainment\/celebrities)\n- [Tech](https:\/\/www.cnn.com\/business\/tech)\n  - [Innovate](https:\/\/www.cnn.com\/business\/tech\/innovate)\n- [Style](https:\/\/www.cnn.com\/style)\n  - [Arts](https:\/\/www.cnn.com\/style\/arts)\n  - [Design](https:\/\/www.cnn.com\/style\/design)\n  - [Fashion](https:\/\/www.cnn.com\/style\/fashion)\n  - [Architecture](https:\/\/www.cnn.com\/style\/architecture)\n  - [Luxury](https:\/\/www.cnn.com\/style\/luxury)\n  - [Beauty](https:\/\/www.cnn.com\/style\/beauty)\n  - [Video](https:\/\/www.cnn.com\/style\/videos)\n- [Travel](https:\/\/www.cnn.com\/travel)\n  - [Destinations](https:\/\/www.cnn.com\/travel\/destinations)\n  - [Food & Drink](https:\/\/www.cnn.com\/travel\/food-and-drink)\n  - [Stay](https:\/\/www.cnn.com\/travel\/stay)\n  - [News](https:\/\/www.cnn.com\/travel\/news)\n  - [Videos](https:\/\/www.cnn.com\/travel\/videos)\n- [Sports](https:\/\/www.cnn.com\/sports)\n  - [NFL](https:\/\/www.cnn.com\/sport\/nfl)\n  - [NBA](https:\/\/www.cnn.com\/sport\/nba)\n  - [MLB](https:\/\/www.cnn.com\/sport\/mlb)\n  - [WNBA](https:\/\/www.cnn.com\/sport\/wnba)\n  - [Golf](https:\/\/www.cnn.com\/sport\/golf)\n  - [Soccer](https:\/\/www.cnn.com\/sport\/soccer)\n  - [Tennis](https:\/\/www.cnn.com\/sport\/tennis)\n  - [Motorsport](https:\/\/www.cnn.com\/sport\/motorsport)\n  - [College Sports](https:\/\/www.cnn.com\/sport\/college-sports)\n  - [Olympics](https:\/\/www.cnn.com\/sport\/milan-cortina-winter-olympics-2026)\n  - [Bleacher Report](https:\/\/bleacherreport.com\/)\n- [Science](https:\/\/www.cnn.com\/science)\n  - [Space](https:\/\/www.cnn.com\/science\/space)\n  - [Life](https:\/\/www.cnn.com\/science\/life)\n  - [Unearthed](https:\/\/www.cnn.com\/science\/unearthed)\n- [Climate](https:\/\/www.cnn.com\/climate)\n  - [Solutions](https:\/\/www.cnn.com\/climate\/solutions)\n  - [Weather](https:\/\/www.cnn.com\/weather)\n- [Weather](https:\/\/www.cnn.com\/weather)\n  - [Video](https:\/\/www.cnn.com\/weather\/video)\n  - [Climate](https:\/\/www.cnn.com\/climate)\n- [Ukraine-Russia War](https:\/\/www.cnn.com\/world\/europe\/ukraine)\n- [Israel-Hamas War](https:\/\/www.cnn.com\/world\/middleeast\/israel)\n- [Watch](https:\/\/www.cnn.com\/watch)\n  - [Featured](https:\/\/www.cnn.com\/watch)\n  - [Shows & Films](https:\/\/www.cnn.com\/watch#shows-films)\n  - [Network TV](https:\/\/www.cnn.com\/videos\/live)\n  - [Clips](https:\/\/www.cnn.com\/videos)\n  - [CNN Headlines](https:\/\/www.cnn.com\/videos\/fast\/cnn-headlines)\n  - [Shows A-Z](https:\/\/www.cnn.com\/tv\/all-shows)\n  - [CNN 10](https:\/\/www.cnn10.com\/)\n  - [CNN TV Schedule](https:\/\/www.cnn.com\/tv\/schedule\/cnn)\n- [Listen](https:\/\/www.cnn.com\/audio)\n  - [CNN 5 Things](https:\/\/www.cnn.com\/audio\/podcasts\/5-things)\n  - [Chasing Life with Dr. Sanjay Gupta](https:\/\/www.cnn.com\/audio\/podcasts\/chasing-life)\n  - [The Assignment with Audie Cornish](https:\/\/www.cnn.com\/audio\/podcasts\/the-assignment)\n  - [One Thing](https:\/\/www.cnn.com\/audio\/podcasts\/one-thing)\n  - [Tug of War](https:\/\/www.cnn.com\/audio\/podcasts\/tug-of-war)\n  - [CNN Political Briefing](https:\/\/www.cnn.com\/audio\/podcasts\/political-briefing)\n  - [The Axe Files](https:\/\/www.cnn.com\/audio\/podcasts\/axe-files)\n  - [All There Is with Anderson Cooper](https:\/\/www.cnn.com\/audio\/podcasts\/all-there-is-with-anderson-cooper)\n  - [All CNN Audio podcasts](https:\/\/www.cnn.com\/audio)\n- [Games](https:\/\/www.cnn.com\/games)\n  - [Daily Crossword](https:\/\/www.cnn.com\/games\/play\/cnn-crossword)\n  - [Jumble Crossword](https:\/\/www.cnn.com\/games\/play\/jumble-crossword-daily)\n  - [Photo Shuffle](https:\/\/www.cnn.com\/games\/play\/photo-shuffle)\n  - [Sudoblock](https:\/\/www.cnn.com\/games\/play\/sudoblock)\n  - [Sudoku](https:\/\/www.cnn.com\/games\/play\/daily-sudoku)\n  - [5 Things Quiz](https:\/\/cnn.it\/5thingsquiz)\n- [About CNN](https:\/\/www.cnn.com\/about)\n  - [Subscribe](https:\/\/www.cnn.com\/subscription?source=sub_web_footersubnav-link)\n  - [Photos](https:\/\/www.cnn.com\/world\/photos)\n  - [Investigations](https:\/\/www.cnn.com\/us\/cnn-investigates)\n  - [CNN Profiles](https:\/\/www.cnn.com\/profiles)\n  - [CNN Leadership](https:\/\/www.cnn.com\/profiles\/cnn-leadership)\n  - [CNN Newsletters](https:\/\/www.cnn.com\/newsletters)\n  - [Work for CNN](https:\/\/careers.wbd.com\/cnnjobs)\n***\n[Business](https:\/\/www.cnn.com\/business)\n\n[Watch](https:\/\/www.cnn.com\/watch)   [Listen](https:\/\/www.cnn.com\/audio)\n***\nSubscribe\n\nSign in\n\nMy Account\n\n- [Settings](https:\/\/www.cnn.com\/account\/settings)\n- [Newsletters](https:\/\/www.cnn.com\/newsletters)\n- [Topics you follow](https:\/\/www.cnn.com\/follow?iid=fw_var-nav)\n- [Sign out](https:\/\/www.cnn.com\/2025\/06\/07\/business\/should-you-invest-in-crypto-now)\n\nYour CNN account Sign in to your CNN account\n\nFollow CNN\n***\nDownload the CNN app\n\nDownload the CNN app\n***\nMost stock quote data provided by BATS. US market indices are shown in real time, except for the S\\&P 500 which is refreshed every two minutes. All times are ET. Factset: FactSet Research Systems Inc. All rights reserved. Chicago Mercantile: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S\\&P Dow Jones Indices LLC and have been licensed for use to S\\&P Opco, LLC and CNN. Standard & Poor’s and S\\&P are registered trademarks of Standard & Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices Copyright S\\&P Dow Jones Indices LLC and\/or its affiliates. Fair value provided by IndexArb.com. Market holidays and trading hours provided by Copp Clark Limited.\n\n[Terms of Use](https:\/\/www.cnn.com\/terms)   [Privacy Policy](https:\/\/www.cnn.com\/privacy)  [Manage Cookies](https:\/\/www.cnn.com\/2025\/06\/07\/business\/should-you-invest-in-crypto-now)  [Ad Choices](https:\/\/www.cnn.com\/ad-choices)   [Accessibility & CC](https:\/\/www.cnn.com\/accessibility)   [About](https:\/\/www.cnn.com\/about)   [Subscribe](https:\/\/www.cnn.com\/subscription?source=sub_web_footerlink-link)   [Newsletters](https:\/\/www.cnn.com\/newsletters)   [Transcripts](https:\/\/www.cnn.com\/transcripts)   [Help Center](https:\/\/help.cnn.com\/)\n\n© 2026 Cable News Network. A Warner Bros. Discovery Company. All Rights Reserved.   \n CNN Sans ™ & © 2016 Cable News Network.\n\n## Download the CNN app\nScan the QR code to download the CNN app on Google Play.\n\n![Scan the QR code to download the CNN app from Google Play.](https:\/\/www.cnn.com\/media\/sites\/cnn\/google-play-cnn-app-qr-code.png)\n\n## Download the CNN app\nScan the QR code to download the CNN app from the Apple Store.\n\n![Scan the QR code to download the CNN app from the Apple Store.](https:\/\/www.cnn.com\/media\/sites\/cnn\/app-store-cnn-app-qr-code.png)\n\n![CNN Logo](https:\/\/www.cnn.com\/media\/sites\/cnn\/cnn.svg)\n\n## Legal Terms and Privacy\nBy clicking Agree, you have read and agree to the Terms of Use and agree to the collection and use of your information by cookies and similar technologies, as set forth in our Privacy Policy.\n\nBy clicking \"Agree\", you have read and agree to the [Terms of Use](https:\/\/www.cnn.com\/terms) and agree to the collection and use of your information by cookies and similar technologies, as set forth in our [Privacy Policy](https:\/\/www.cnn.com\/privacy).\n\n[Agree](https:\/\/www.cnn.com\/2025\/06\/07\/business\/should-you-invest-in-crypto-now)","attrs_readable_markdown":"CNN —\n\nMuch has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all.\n\nCrucially, crypto has gained greater acceptance among regulators and large institutional investors as an asset class that is likely here to stay. The Securities and Exchange Commission now regulates spot bitcoin and ethereum exchange-traded funds. Coinbase, the crypto currency exchange, is now on the S\\&P 500. [Stablecoin](https:\/\/www.cnn.com\/2025\/06\/05\/business\/stablecoins-crypto-genius-act) provider Circle just went public.\n\nThe Trump administration, meanwhile, is very supportive of crypto, and the Labor Department [just rescinded](https:\/\/www.dol.gov\/newsroom\/releases\/ebsa\/ebsa20250528) its 2022 guidance urging 401(k) fiduciaries to “exercise extreme care” if they include a crypto investment option to plan participants.\n\nAd Feedback\n\nAd Feedback\n\nWith bitcoin now trading above \\$100,000 and US lawmakers actively [working on crypto regulations](https:\/\/www.cnn.com\/2025\/06\/05\/business\/stablecoins-crypto-genius-act), it may be worth revisiting the question of whether you should have exposure in your portfolio. The answer will be highly personal, driven by your risk tolerance, time horizon and knowledge.\n\nDespite being a crypto advocate, Tyrone Ross, founder of financial planning firm 401 Financial, put it this way: “We have a long way to go before you should be YOLO-ing your way into crypto.”\n\nWhen financial advisers have been asked over the past several years whether they would recommend that clients invest in bitcoin or other cryptocurrencies, many were reluctant because digital assets were not regulated, pricing was highly volatile and their use case and valuation was hard for both adviser and client to understand. Unlike stocks, which can be valued on the basis of tangible components such a company’s goods and services, bitcoin is considered a store of value, and its price is driven by what others are willing to pay for it.\n\nThat caution was understandable, said Ric Edelman, who founded Edelman Financial Engines and then created the [Digital Assets Council of Financial Professionals](https:\/\/dacfp.com\/), which provides certification courses in blockchain and digital assets for financial professionals and investors.\n\nBut, at this point, Edelman believes that advisers who value diversification as a strategy in their clients’ portfolio — eg, across asset classes, sectors, etc. — would be remiss not to recommend adding at least a small amount of digital asset exposure.\n\n“They ought to be cautious. But being cautious doesn’t mean abstinence,” he noted. “We’ve seen bitcoin reach all-time highs and seen institutional investors engage for the first time.”\n\nSeveral years ago, when crypto’s future was far less certain, Edelman had recommended a 1% asset allocation to crypto, an amount small enough that even if a crypto investment fell to zero it would not greatly harm the long-term trajectory of a person’s portfolio.\n\nIn March this year, using bitcoin as an example, he compared the performance of a balanced 60% stocks\/40% bonds portfolio with an average annual return of 7% over a decade, to a portfolio where the equity portion is reduced to 59% in favor of a 1% investment in bitcoin. In the extreme, if bitcoin became worthless the average return would only drop to 6.9%. And, equally extreme, if the price rose to \\$1 million, the return would increase to 7.4%. If the equity portion were reduced to 57% with 3% put into bitcoin, the average return drops to 6.8% in the worthless scenario and jumps to 8.2% if bitcoin hits \\$1 million. If bitcoin exposure were upped to 5%, the downside return would be 6.7% and the upside return would be 9%.\n\nDespite bitcoin trading around \\$100,000 — a nosebleed level relative to where it had fallen during the so-called crypto winter of 2022 — Edelman believes that the price still has a lot of upward potential because the number of bitcoins is permanently limited and demand for it is increasing.\n\nFor those who have yet to invest in crypto and would like to, “the best place to begin is bitcoin,” Edelman said. “It is by the far the largest digital asset — and it’s the digital asset of choice for institutional investors.”\n\nAnd, he added, “it’s different than all other digital assets. It’s a store of value and a transmittal (instrument). All the others are designed for specific commercial uses and it’s far less certain as to which of the others will be successful.”\n\nBut investing directly in bitcoin and storing it in your own wallet can be a complicated proposition unless you know what you’re doing.\n\n“Scams are a big issue in this space,” Ross said.\n\nA far safer route for the novice crypto investor, he and Edelman said, is through an SEC-regulated bitcoin ETF.\n\nNot everyone is as immediately bullish as Edelman.\n\nIn a [March note](https:\/\/www.tiaa.org\/public\/pdf\/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) to clients,TIAA chief investment officer Niladri Mukherjee said, “While broadening enthusiasm around crypto adoption and the bitcoin ETFs are an encouraging sign for the industry, from an investment perspective, its value drivers will take time to develop and to be well understood by market participants.”\n\nGiven that the industry is still “quite opaque and unregulated,” Mukherjee added that individuals should do their due diligence before investing.\n\nBut even before you do that, gut check yourself. When asked who absolutely should *not* invest in crypto, Edelman was quick to reply: “Those who cannot emotionally tolerate volatility. Because we know (cryptocurrencies are) highly volatile. You’re likely to sell when prices are low.”\n\nThat’s especially the case if you decide to invest directly in a given coin.\n\nA good way to test your appetite for volatility is to consider how much you might spend on a nice meal at a favorite restaurant and invest that amount into crypto if it doesn’t strain your household budget. Then just watch to see what happens over the next several months, Ross said. “Track it, read about it, understand its ebbs and flows.”\n\nIn other words, [educate yourself](https:\/\/www.tiaa.org\/public\/pdf\/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) about how things work before making any real commitment to it.\n\nThen if you think you’re comfortable enough, you might invest small amounts monthly — again, nothing that would compromise you financially, he suggested.\n\nIn terms of an overall allocation of your assets, Lazetta Rainey Braxton, founder of the financial planning firm The Real Wealth Coterie, said you want an amount that is small enough that it won’t undermine the valuation of your portfolio if things go south.\n\nAnd, she added, “(stick) with players that are well known and respected and have the infrastructure in place to make sure that they are offering a solid investment and also the information associated with that.”\n\nTrent Porter, a certified financial planner and certified public accountant at Priority Financial Partners, is not a big fan of crypto even with all the developments in recent months easing investment in the space.\n\n“My core advice remains unchanged: Crypto exposure should match an investor’s personal risk tolerance and capacity, keeping the allocation small (no more than 5%) for most people. Regulatory risk might have eased, but market risk is still very real, and as we all know, the regulatory environment can change quickly.”","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

7 days ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0.3 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now
Last Crawled	2026-04-07 16:02:31 (7 days ago)
First Indexed	2025-06-07 12:35:11 (10 months ago)
HTTP Status Code	200
Meta Title	Should you invest in crypto now? \| CNN Business
Meta Description	Much has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all.
Meta Canonical	null
Boilerpipe Text	CNN — Much has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all. Crucially, crypto has gained greater acceptance among regulators and large institutional investors as an asset class that is likely here to stay. The Securities and Exchange Commission now regulates spot bitcoin and ethereum exchange-traded funds. Coinbase, the crypto currency exchange, is now on the S&P 500. Stablecoin provider Circle just went public. The Trump administration, meanwhile, is very supportive of crypto, and the Labor Department just rescinded its 2022 guidance urging 401(k) fiduciaries to “exercise extreme care” if they include a crypto investment option to plan participants. Ad Feedback Ad Feedback With bitcoin now trading above $100,000 and US lawmakers actively working on crypto regulations , it may be worth revisiting the question of whether you should have exposure in your portfolio. The answer will be highly personal, driven by your risk tolerance, time horizon and knowledge. Despite being a crypto advocate, Tyrone Ross, founder of financial planning firm 401 Financial, put it this way: “We have a long way to go before you should be YOLO-ing your way into crypto.” When financial advisers have been asked over the past several years whether they would recommend that clients invest in bitcoin or other cryptocurrencies, many were reluctant because digital assets were not regulated, pricing was highly volatile and their use case and valuation was hard for both adviser and client to understand. Unlike stocks, which can be valued on the basis of tangible components such a company’s goods and services, bitcoin is considered a store of value, and its price is driven by what others are willing to pay for it. That caution was understandable, said Ric Edelman, who founded Edelman Financial Engines and then created the Digital Assets Council of Financial Professionals , which provides certification courses in blockchain and digital assets for financial professionals and investors. But, at this point, Edelman believes that advisers who value diversification as a strategy in their clients’ portfolio — eg, across asset classes, sectors, etc. — would be remiss not to recommend adding at least a small amount of digital asset exposure. “They ought to be cautious. But being cautious doesn’t mean abstinence,” he noted. “We’ve seen bitcoin reach all-time highs and seen institutional investors engage for the first time.” Several years ago, when crypto’s future was far less certain, Edelman had recommended a 1% asset allocation to crypto, an amount small enough that even if a crypto investment fell to zero it would not greatly harm the long-term trajectory of a person’s portfolio. In March this year, using bitcoin as an example, he compared the performance of a balanced 60% stocks/40% bonds portfolio with an average annual return of 7% over a decade, to a portfolio where the equity portion is reduced to 59% in favor of a 1% investment in bitcoin. In the extreme, if bitcoin became worthless the average return would only drop to 6.9%. And, equally extreme, if the price rose to $1 million, the return would increase to 7.4%. If the equity portion were reduced to 57% with 3% put into bitcoin, the average return drops to 6.8% in the worthless scenario and jumps to 8.2% if bitcoin hits $1 million. If bitcoin exposure were upped to 5%, the downside return would be 6.7% and the upside return would be 9%. Despite bitcoin trading around $100,000 — a nosebleed level relative to where it had fallen during the so-called crypto winter of 2022 — Edelman believes that the price still has a lot of upward potential because the number of bitcoins is permanently limited and demand for it is increasing. For those who have yet to invest in crypto and would like to, “the best place to begin is bitcoin,” Edelman said. “It is by the far the largest digital asset — and it’s the digital asset of choice for institutional investors.” And, he added, “it’s different than all other digital assets. It’s a store of value and a transmittal (instrument). All the others are designed for specific commercial uses and it’s far less certain as to which of the others will be successful.” But investing directly in bitcoin and storing it in your own wallet can be a complicated proposition unless you know what you’re doing. “Scams are a big issue in this space,” Ross said. A far safer route for the novice crypto investor, he and Edelman said, is through an SEC-regulated bitcoin ETF. Not everyone is as immediately bullish as Edelman. In a March note to clients, TIAA chief investment officer Niladri Mukherjee said, “While broadening enthusiasm around crypto adoption and the bitcoin ETFs are an encouraging sign for the industry, from an investment perspective, its value drivers will take time to develop and to be well understood by market participants.” Given that the industry is still “quite opaque and unregulated,” Mukherjee added that individuals should do their due diligence before investing. But even before you do that, gut check yourself. When asked who absolutely should not invest in crypto, Edelman was quick to reply: “Those who cannot emotionally tolerate volatility. Because we know (cryptocurrencies are) highly volatile. You’re likely to sell when prices are low.” That’s especially the case if you decide to invest directly in a given coin. A good way to test your appetite for volatility is to consider how much you might spend on a nice meal at a favorite restaurant and invest that amount into crypto if it doesn’t strain your household budget. Then just watch to see what happens over the next several months, Ross said. “Track it, read about it, understand its ebbs and flows.” In other words, educate yourself about how things work before making any real commitment to it. Then if you think you’re comfortable enough, you might invest small amounts monthly — again, nothing that would compromise you financially, he suggested. In terms of an overall allocation of your assets, Lazetta Rainey Braxton, founder of the financial planning firm The Real Wealth Coterie, said you want an amount that is small enough that it won’t undermine the valuation of your portfolio if things go south. And, she added, “(stick) with players that are well known and respected and have the infrastructure in place to make sure that they are offering a solid investment and also the information associated with that.” Trent Porter, a certified financial planner and certified public accountant at Priority Financial Partners, is not a big fan of crypto even with all the developments in recent months easing investment in the space. “My core advice remains unchanged: Crypto exposure should match an investor’s personal risk tolerance and capacity, keeping the allocation small (no more than 5%) for most people. Regulatory risk might have eased, but market risk is still very real, and as we all know, the regulatory environment can change quickly.”
Markdown	Thank You\! Your effort and contribution in providing this feedback is much appreciated. Close Ad Feedback [Business](https://www.cnn.com/business) [Markets](https://www.cnn.com/markets) [Tech](https://www.cnn.com/business/tech) [Media](https://www.cnn.com/business/media) [Calculators](https://www.cnn.com/business/financial-calculators) [Videos](https://www.cnn.com/business/videos) [More]() [Markets](https://www.cnn.com/markets) [Tech](https://www.cnn.com/business/tech) [Media](https://www.cnn.com/business/media) [Calculators](https://www.cnn.com/business/financial-calculators) [Videos](https://www.cnn.com/business/videos) [Watch](https://www.cnn.com/subscription/all-access) [Listen](https://www.cnn.com/audio) Subscribe Sign in My Account - [Settings](https://www.cnn.com/account/settings) - [Newsletters](https://www.cnn.com/newsletters) - [Topics you follow](https://www.cnn.com/follow?iid=fw_var-nav) - [Sign out](https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now) Your CNN account Sign in to your CNN account * Sign in My Account - [Settings](https://www.cnn.com/account/settings) - [Newsletters](https://www.cnn.com/newsletters) - [Topics you follow](https://www.cnn.com/follow?iid=fw_var-nav) - [Sign out](https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now) Your CNN account Sign in to your CNN account * [Listen](https://www.cnn.com/audio) [Watch](https://www.cnn.com/subscription/all-access) * Edition [US](https://us.cnn.com/?hpt=header_edition-picker) [International](https://edition.cnn.com/?hpt=header_edition-picker) [Arabic](https://arabic.cnn.com/?hpt=header_edition-picker) [Español](https://cnnespanol.cnn.com/?hpt=header_edition-picker) Edition - [US](https://us.cnn.com/?hpt=header_edition-picker) - [International](https://edition.cnn.com/?hpt=header_edition-picker) - [Arabic](https://arabic.cnn.com/?hpt=header_edition-picker) - [Español](https://cnnespanol.cnn.com/?hpt=header_edition-picker) * [Markets](https://www.cnn.com/markets) [Tech](https://www.cnn.com/business/tech) [Media](https://www.cnn.com/business/media) [Calculators](https://www.cnn.com/business/financial-calculators) [Videos](https://www.cnn.com/business/videos) * Follow CNN Download the CNN App * - [US](https://www.cnn.com/us) - [Crime & Justice](https://www.cnn.com/us/crime-and-justice) - [Immigration](https://www.cnn.com/us/immigration) - [Education](https://www.cnn.com/us/education) - [Transportation](https://www.cnn.com/us/transportation) - [Race & Identity](https://www.cnn.com/us/race-and-identity) - [World](https://www.cnn.com/world) - [Africa](https://www.cnn.com/world/africa) - [Americas](https://www.cnn.com/world/americas) - [Asia](https://www.cnn.com/world/asia) - [Australia](https://www.cnn.com/world/australia) - [China](https://www.cnn.com/world/china) - [Europe](https://www.cnn.com/world/europe) - [India](https://www.cnn.com/world/india) - [Middle East](https://www.cnn.com/world/middle-east) - [United Kingdom](https://www.cnn.com/world/united-kingdom) - [Politics](https://www.cnn.com/politics) - [Elections 2026](https://www.cnn.com/election/2026) - [Trump](https://www.cnn.com/politics/president-donald-trump-47) - [Facts First](https://www.cnn.com/politics/fact-check) - [CNN Polls](https://www.cnn.com/polling) - [Redistricting Tracker](https://www.cnn.com/politics/state-redistricting-maps-vis/index.html) - [Epstein Files](https://www.cnn.com/politics/epstein-files) - [Business](https://www.cnn.com/business) - [Tech](https://www.cnn.com/business/tech) - [Media](https://www.cnn.com/business/media) - [Calculators](https://www.cnn.com/business/financial-calculators) - [Videos](https://www.cnn.com/business/videos) - [Markets](https://www.cnn.com/markets) - [Pre-markets](https://www.cnn.com/markets/premarkets) - [After-Hours](https://www.cnn.com/markets/after-hours) - [Fear & Greed](https://www.cnn.com/markets/fear-and-greed) - [Investing](https://www.cnn.com/business/investing) - [Markets Now](https://www.cnn.com/business/markets-now) - [Nightcap](https://www.cnn.com/business/markets/nightcap) - [Health](https://www.cnn.com/health) - [Life, But Better](https://www.cnn.com/interactive/life-but-better/) - [Fitness](https://www.cnn.com/health/life-but-better/fitness) - [Food](https://www.cnn.com/health/life-but-better/food) - [Sleep](https://www.cnn.com/health/life-but-better/sleep) - [Mindfulness](https://www.cnn.com/health/life-but-better/mindfulness) - [Relationships](https://www.cnn.com/health/life-but-better/relationships) - [CNN Underscored](https://www.cnn.com/cnn-underscored) - [Electronics](https://www.cnn.com/cnn-underscored/electronics) - [Fashion](https://www.cnn.com/cnn-underscored/fashion) - [Beauty](https://www.cnn.com/cnn-underscored/beauty) - [Health & Fitness](https://www.cnn.com/cnn-underscored/health-fitness) - [Home](https://www.cnn.com/cnn-underscored/home) - [Reviews](https://www.cnn.com/cnn-underscored/reviews) - [Deals](https://www.cnn.com/cnn-underscored/deals) - [Gifts](https://www.cnn.com/cnn-underscored/gifts) - [Travel](https://www.cnn.com/cnn-underscored/travel) - [Outdoors](https://www.cnn.com/cnn-underscored/outdoors) - [Pets](https://www.cnn.com/cnn-underscored/pets) - [Entertainment](https://www.cnn.com/entertainment) - [Movies](https://www.cnn.com/entertainment/movies) - [Television](https://www.cnn.com/entertainment/tv-shows) - [Celebrity](https://www.cnn.com/entertainment/celebrities) - [Tech](https://www.cnn.com/business/tech) - [Innovate](https://www.cnn.com/business/tech/innovate) - [Style](https://www.cnn.com/style) - [Arts](https://www.cnn.com/style/arts) - [Design](https://www.cnn.com/style/design) - [Fashion](https://www.cnn.com/style/fashion) - [Architecture](https://www.cnn.com/style/architecture) - [Luxury](https://www.cnn.com/style/luxury) - [Beauty](https://www.cnn.com/style/beauty) - [Video](https://www.cnn.com/style/videos) - [Travel](https://www.cnn.com/travel) - [Destinations](https://www.cnn.com/travel/destinations) - [Food & Drink](https://www.cnn.com/travel/food-and-drink) - [Stay](https://www.cnn.com/travel/stay) - [Videos](https://www.cnn.com/travel/videos) - [Sports](https://www.cnn.com/sports) - [NFL](https://www.cnn.com/sport/nfl) - [NBA](https://www.cnn.com/sport/nba) - [MLB](https://www.cnn.com/sport/mlb) - [WNBA](https://www.cnn.com/sport/wnba) - [Golf](https://www.cnn.com/sport/golf) - [Soccer](https://www.cnn.com/sport/soccer) - [Tennis](https://www.cnn.com/sport/tennis) - [Motorsport](https://www.cnn.com/sport/motorsport) - [College Sports](https://www.cnn.com/sport/college-sports) - [Olympics](https://www.cnn.com/sport/milan-cortina-winter-olympics-2026) - [Bleacher Report](https://bleacherreport.com/) - [Science](https://www.cnn.com/science) - [Space](https://www.cnn.com/science/space) - [Life](https://www.cnn.com/science/life) - [Unearthed](https://www.cnn.com/science/unearthed) - [Climate](https://www.cnn.com/climate) - [Solutions](https://www.cnn.com/climate/solutions) - [Weather](https://www.cnn.com/weather) - [Weather](https://www.cnn.com/weather) - [Video](https://www.cnn.com/weather/video) - [Climate](https://www.cnn.com/climate) - [Ukraine-Russia War](https://www.cnn.com/world/europe/ukraine) - [Israel-Hamas War](https://www.cnn.com/world/middleeast/israel) - [Watch](https://www.cnn.com/watch) - [Featured](https://www.cnn.com/watch) - [Shows & Films](https://www.cnn.com/watch#shows-films) - [Network TV](https://www.cnn.com/videos/live) - [Clips](https://www.cnn.com/videos) - [CNN Headlines](https://www.cnn.com/videos/fast/cnn-headlines) - [Shows A-Z](https://www.cnn.com/tv/all-shows) - [CNN 10](https://www.cnn10.com/) - [CNN TV Schedule](https://www.cnn.com/tv/schedule/cnn) - [Listen](https://www.cnn.com/audio) - [CNN 5 Things](https://www.cnn.com/audio/podcasts/5-things) - [Chasing Life with Dr. Sanjay Gupta](https://www.cnn.com/audio/podcasts/chasing-life) - [The Assignment with Audie Cornish](https://www.cnn.com/audio/podcasts/the-assignment) - [One Thing](https://www.cnn.com/audio/podcasts/one-thing) - [Tug of War](https://www.cnn.com/audio/podcasts/tug-of-war) - [CNN Political Briefing](https://www.cnn.com/audio/podcasts/political-briefing) - [The Axe Files](https://www.cnn.com/audio/podcasts/axe-files) - [All There Is with Anderson Cooper](https://www.cnn.com/audio/podcasts/all-there-is-with-anderson-cooper) - [All CNN Audio podcasts](https://www.cnn.com/audio) - [Games](https://www.cnn.com/games) - [Daily Crossword](https://www.cnn.com/games/play/cnn-crossword) - [Jumble Crossword](https://www.cnn.com/games/play/jumble-crossword-daily) - [Photo Shuffle](https://www.cnn.com/games/play/photo-shuffle) - [Sudoblock](https://www.cnn.com/games/play/sudoblock) - [Sudoku](https://www.cnn.com/games/play/daily-sudoku) - [5 Things Quiz](https://cnn.it/5thingsquiz) - [About CNN](https://www.cnn.com/about) - [Subscribe](https://www.cnn.com/subscription?source=sub_web_footersubnav-link) - [Photos](https://www.cnn.com/world/photos) - [Investigations](https://www.cnn.com/us/cnn-investigates) - [CNN Profiles](https://www.cnn.com/profiles) - [CNN Leadership](https://www.cnn.com/profiles/cnn-leadership) - [CNN Newsletters](https://www.cnn.com/newsletters) - [Work for CNN](https://careers.wbd.com/cnnjobs) *** Download the CNN App Markets DOW 46,334.00 \-335.88 0\.72% S\&P 500 6,564.79 \-47.04 0\.71% NASDAQ 21,775.82 \-220.52 1\.00% Hot Stocks [INTC](https://www.cnn.com/markets/stocks/INTC) Intel Corporation 51\.90 \+ 1.12 2\.21% [SKYQ](https://www.cnn.com/markets/stocks/SKYQ) Sky Quarry, Inc. 7\.35 \+ 2.35 47\.01% [NVDA](https://www.cnn.com/markets/stocks/NVDA) NVIDIA Corporation 174\.86 \- 2.78 1\.57% Fear & Greed Index 21 [extreme fear is driving the US market](https://www.cnn.com/markets/fear-and-greed?utm_source=business_ribbon) Latest Market News - [Report: Losing your job to AI doesn’t just lead to unemployment, it leaves lasting scars](https://www.cnn.com/2026/04/07/economy/ai-job-losses-long-term-effects?utm_source=business_ribbon) - [The sneaky — and not-so-sneaky — ways that companies are raising prices due to the Iran war](https://www.cnn.com/2026/04/07/economy/fuel-surcharge-fees-added-oil?utm_source=business_ribbon) - [Bill Ackman’s fund wants to buy Universal Music](https://www.cnn.com/2026/04/07/business/bill-ackman-pershing-square-universal-music-intl?utm_source=business_ribbon) Hot Stocks 21 [extreme fear is driving the US market](https://www.cnn.com/markets/fear-and-greed?utm_source=business_ribbon) Something isn't loading properly. Please check back later. Ad Feedback [![](https://www.cnn.com/media/sites/cnn/cnn-fallback-image.jpg)](https://www.cnn.com/specials/success/wealth-coach) # Should you invest in crypto now? [![Jeanne Sahadi](https://www.cnn.com/media/sites/cnn/cnn-fallback-image.jpg)](https://www.cnn.com/profiles/jeanne-sahadi) By [Jeanne Sahadi](https://www.cnn.com/profiles/jeanne-sahadi), CNN 6 min read Published 8:00 AM EDT, Sat June 7, 2025 Link Copied\! Follow: Crypto [See your latest updates](https://www.cnn.com/follow?iid=follow_see_all_article&source=acq_web_experiments_follow_card-social-bar-all) ![Bitcoin is now trading at over \$100,000, a far cry from where it was during the 'crypto winter' in 2022.](https://media.cnn.com/api/v1/images/stellar/prod/2023-10-24t101911z-264334327-rc2yy3ajx1or-rtrmadp-3-fintech-crypto-bitcoin.JPG?c=16x9&q=h_833,w_1480,c_fill) Bitcoin is now trading at over \$100,000, a far cry from where it was during the 'crypto winter' in 2022. Dado Ruvic/Reuters CNN — Much has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all. Crucially, crypto has gained greater acceptance among regulators and large institutional investors as an asset class that is likely here to stay. The Securities and Exchange Commission now regulates spot bitcoin and ethereum exchange-traded funds. Coinbase, the crypto currency exchange, is now on the S\&P 500. [Stablecoin](https://www.cnn.com/2025/06/05/business/stablecoins-crypto-genius-act) provider Circle just went public. The Trump administration, meanwhile, is very supportive of crypto, and the Labor Department [just rescinded](https://www.dol.gov/newsroom/releases/ebsa/ebsa20250528) its 2022 guidance urging 401(k) fiduciaries to “exercise extreme care” if they include a crypto investment option to plan participants. Ad Feedback Ad Feedback With bitcoin now trading above \$100,000 and US lawmakers actively [working on crypto regulations](https://www.cnn.com/2025/06/05/business/stablecoins-crypto-genius-act), it may be worth revisiting the question of whether you should have exposure in your portfolio. The answer will be highly personal, driven by your risk tolerance, time horizon and knowledge. Despite being a crypto advocate, Tyrone Ross, founder of financial planning firm 401 Financial, put it this way: “We have a long way to go before you should be YOLO-ing your way into crypto.” ## Why it might be a good idea When financial advisers have been asked over the past several years whether they would recommend that clients invest in bitcoin or other cryptocurrencies, many were reluctant because digital assets were not regulated, pricing was highly volatile and their use case and valuation was hard for both adviser and client to understand. Unlike stocks, which can be valued on the basis of tangible components such a company’s goods and services, bitcoin is considered a store of value, and its price is driven by what others are willing to pay for it. That caution was understandable, said Ric Edelman, who founded Edelman Financial Engines and then created the [Digital Assets Council of Financial Professionals](https://dacfp.com/), which provides certification courses in blockchain and digital assets for financial professionals and investors. But, at this point, Edelman believes that advisers who value diversification as a strategy in their clients’ portfolio — eg, across asset classes, sectors, etc. — would be remiss not to recommend adding at least a small amount of digital asset exposure. “They ought to be cautious. But being cautious doesn’t mean abstinence,” he noted. “We’ve seen bitcoin reach all-time highs and seen institutional investors engage for the first time.” Several years ago, when crypto’s future was far less certain, Edelman had recommended a 1% asset allocation to crypto, an amount small enough that even if a crypto investment fell to zero it would not greatly harm the long-term trajectory of a person’s portfolio. In March this year, using bitcoin as an example, he compared the performance of a balanced 60% stocks/40% bonds portfolio with an average annual return of 7% over a decade, to a portfolio where the equity portion is reduced to 59% in favor of a 1% investment in bitcoin. In the extreme, if bitcoin became worthless the average return would only drop to 6.9%. And, equally extreme, if the price rose to \$1 million, the return would increase to 7.4%. If the equity portion were reduced to 57% with 3% put into bitcoin, the average return drops to 6.8% in the worthless scenario and jumps to 8.2% if bitcoin hits \$1 million. If bitcoin exposure were upped to 5%, the downside return would be 6.7% and the upside return would be 9%. Despite bitcoin trading around \$100,000 — a nosebleed level relative to where it had fallen during the so-called crypto winter of 2022 — Edelman believes that the price still has a lot of upward potential because the number of bitcoins is permanently limited and demand for it is increasing. ## Bitcoin ETFs are likely safest bet, advisers say For those who have yet to invest in crypto and would like to, “the best place to begin is bitcoin,” Edelman said. “It is by the far the largest digital asset — and it’s the digital asset of choice for institutional investors.” And, he added, “it’s different than all other digital assets. It’s a store of value and a transmittal (instrument). All the others are designed for specific commercial uses and it’s far less certain as to which of the others will be successful.” But investing directly in bitcoin and storing it in your own wallet can be a complicated proposition unless you know what you’re doing. “Scams are a big issue in this space,” Ross said. A far safer route for the novice crypto investor, he and Edelman said, is through an SEC-regulated bitcoin ETF. ## Why it’s not for everyone Not everyone is as immediately bullish as Edelman. In a [March note](https://www.tiaa.org/public/pdf/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) to clients,TIAA chief investment officer Niladri Mukherjee said, “While broadening enthusiasm around crypto adoption and the bitcoin ETFs are an encouraging sign for the industry, from an investment perspective, its value drivers will take time to develop and to be well understood by market participants.” [![Trump and his sons' crypto endeavors are expanding, creating more and more avenues for potential corruption.](https://www.cnn.com/media/sites/cnn/cnn-fallback-image.jpg) Trump and his sons' crypto endeavors are expanding, creating more and more avenues for potential corruption. Brendan Smialowski/AFP/Getty Images Related article Trump’s crypto conflicts keep piling up. He’s not even trying to hide them](https://www.cnn.com/2025/05/14/business/trump-family-crypto-nightcap) Given that the industry is still “quite opaque and unregulated,” Mukherjee added that individuals should do their due diligence before investing. But even before you do that, gut check yourself. When asked who absolutely should not invest in crypto, Edelman was quick to reply: “Those who cannot emotionally tolerate volatility. Because we know (cryptocurrencies are) highly volatile. You’re likely to sell when prices are low.” That’s especially the case if you decide to invest directly in a given coin. A good way to test your appetite for volatility is to consider how much you might spend on a nice meal at a favorite restaurant and invest that amount into crypto if it doesn’t strain your household budget. Then just watch to see what happens over the next several months, Ross said. “Track it, read about it, understand its ebbs and flows.” In other words, [educate yourself](https://www.tiaa.org/public/pdf/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) about how things work before making any real commitment to it. Then if you think you’re comfortable enough, you might invest small amounts monthly — again, nothing that would compromise you financially, he suggested. In terms of an overall allocation of your assets, Lazetta Rainey Braxton, founder of the financial planning firm The Real Wealth Coterie, said you want an amount that is small enough that it won’t undermine the valuation of your portfolio if things go south. And, she added, “(stick) with players that are well known and respected and have the infrastructure in place to make sure that they are offering a solid investment and also the information associated with that.” Trent Porter, a certified financial planner and certified public accountant at Priority Financial Partners, is not a big fan of crypto even with all the developments in recent months easing investment in the space. “My core advice remains unchanged: Crypto exposure should match an investor’s personal risk tolerance and capacity, keeping the allocation small (no more than 5%) for most people. Regulatory risk might have eased, but market risk is still very real, and as we all know, the regulatory environment can change quickly.” Related [![]()]() Ad Feedback ### CNN Business Videos - [![José Andrés and Eric Ripert](https://www.cnn.com/media/sites/cnn/cnn-fallback-image.jpg) CNN](https://www.cnn.com/2026/04/07/business/video/chef-jose-andres-nonprofit-1on1-vod) [Video José Andrés on founding World Central Kitchen 3:42 Apr 7, 2026](https://www.cnn.com/2026/04/07/business/video/chef-jose-andres-nonprofit-1on1-vod) - [![José Andrés and Eric Ripert](https://www.cnn.com/media/sites/cnn/cnn-fallback-image.jpg) CNN](https://www.cnn.com/chef-eric-ripert-1on1-vod) [Video How Eric Ripert changed kitchens: ‘It was all my fault’ 2:50 Apr 7, 2026](https://www.cnn.com/chef-eric-ripert-1on1-vod) - [![José Andrés and Eric Ripert](https://www.cnn.com/media/sites/cnn/cnn-fallback-image.jpg) CNN](https://www.cnn.com/2026/04/07/business/video/chefs-jose-andres-eric-ripert-bourdain-1on1-vod) [Video José Andrés and Eric Ripert on their early years 3:09 Apr 7, 2026](https://www.cnn.com/2026/04/07/business/video/chefs-jose-andres-eric-ripert-bourdain-1on1-vod) - [![ronan thumbnail .png](https://www.cnn.com/media/sites/cnn/cnn-fallback-image.jpg) cnn](https://www.cnn.com/2026/04/06/business/video/ac360-the-new-yorker-sam-altman-may-control-our-futurecan-he-be-trusted) [Video The New Yorker: Sam Altman May Control Our Future—Can He Be Trusted? 5:19 Apr 7, 2026](https://www.cnn.com/2026/04/06/business/video/ac360-the-new-yorker-sam-altman-may-control-our-futurecan-he-be-trusted) Ad Feedback Ad Feedback Subscribe Sign in My Account - [Settings](https://www.cnn.com/account/settings) - [Newsletters](https://www.cnn.com/newsletters) - [Topics you follow](https://www.cnn.com/follow?iid=fw_var-nav) - [Sign out](https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now) Your CNN account Sign in to your CNN account * [Listen](https://www.cnn.com/audio) [Watch](https://www.cnn.com/watch) * - [US](https://www.cnn.com/us) - [Crime & Justice](https://www.cnn.com/us/crime-and-justice) - [Immigration](https://www.cnn.com/us/immigration) - [Education](https://www.cnn.com/us/education) - [Transportation](https://www.cnn.com/us/transportation) - [Race & Identity](https://www.cnn.com/us/race-and-identity) - [World](https://www.cnn.com/world) - [Africa](https://www.cnn.com/world/africa) - [Americas](https://www.cnn.com/world/americas) - [Asia](https://www.cnn.com/world/asia) - [Australia](https://www.cnn.com/world/australia) - [China](https://www.cnn.com/world/china) - [Europe](https://www.cnn.com/world/europe) - [India](https://www.cnn.com/world/india) - [Middle East](https://www.cnn.com/world/middle-east) - [United Kingdom](https://www.cnn.com/world/united-kingdom) - [Politics](https://www.cnn.com/politics) - [Elections 2026](https://www.cnn.com/election/2026) - [Trump](https://www.cnn.com/politics/president-donald-trump-47) - [Facts First](https://www.cnn.com/politics/fact-check) - [CNN Polls](https://www.cnn.com/polling) - [Redistricting Tracker](https://www.cnn.com/politics/state-redistricting-maps-vis/index.html) - [Epstein Files](https://www.cnn.com/politics/epstein-files) - [Business](https://www.cnn.com/business) - [Tech](https://www.cnn.com/business/tech) - [Media](https://www.cnn.com/business/media) - [Calculators](https://www.cnn.com/business/financial-calculators) - [Videos](https://www.cnn.com/business/videos) - [Markets](https://www.cnn.com/markets) - [Pre-markets](https://www.cnn.com/markets/premarkets) - [After-Hours](https://www.cnn.com/markets/after-hours) - [Fear & Greed](https://www.cnn.com/markets/fear-and-greed) - [Investing](https://www.cnn.com/business/investing) - [Markets Now](https://www.cnn.com/business/markets-now) - [Nightcap](https://www.cnn.com/business/markets/nightcap) - [Health](https://www.cnn.com/health) - [Life, But Better](https://www.cnn.com/interactive/life-but-better/) - [Fitness](https://www.cnn.com/health/life-but-better/fitness) - [Food](https://www.cnn.com/health/life-but-better/food) - [Sleep](https://www.cnn.com/health/life-but-better/sleep) - [Mindfulness](https://www.cnn.com/health/life-but-better/mindfulness) - [Relationships](https://www.cnn.com/health/life-but-better/relationships) - [CNN Underscored](https://www.cnn.com/cnn-underscored) - [Electronics](https://www.cnn.com/cnn-underscored/electronics) - [Fashion](https://www.cnn.com/cnn-underscored/fashion) - [Beauty](https://www.cnn.com/cnn-underscored/beauty) - [Health & Fitness](https://www.cnn.com/cnn-underscored/health-fitness) - [Home](https://www.cnn.com/cnn-underscored/home) - [Reviews](https://www.cnn.com/cnn-underscored/reviews) - [Deals](https://www.cnn.com/cnn-underscored/deals) - [Gifts](https://www.cnn.com/cnn-underscored/gifts) - [Travel](https://www.cnn.com/cnn-underscored/travel) - [Outdoors](https://www.cnn.com/cnn-underscored/outdoors) - [Pets](https://www.cnn.com/cnn-underscored/pets) - [Entertainment](https://www.cnn.com/entertainment) - [Movies](https://www.cnn.com/entertainment/movies) - [Television](https://www.cnn.com/entertainment/tv-shows) - [Celebrity](https://www.cnn.com/entertainment/celebrities) - [Tech](https://www.cnn.com/business/tech) - [Innovate](https://www.cnn.com/business/tech/innovate) - [Style](https://www.cnn.com/style) - [Arts](https://www.cnn.com/style/arts) - [Design](https://www.cnn.com/style/design) - [Fashion](https://www.cnn.com/style/fashion) - [Architecture](https://www.cnn.com/style/architecture) - [Luxury](https://www.cnn.com/style/luxury) - [Beauty](https://www.cnn.com/style/beauty) - [Video](https://www.cnn.com/style/videos) - [Travel](https://www.cnn.com/travel) - [Destinations](https://www.cnn.com/travel/destinations) - [Food & Drink](https://www.cnn.com/travel/food-and-drink) - [Stay](https://www.cnn.com/travel/stay) - [News](https://www.cnn.com/travel/news) - [Videos](https://www.cnn.com/travel/videos) - [Sports](https://www.cnn.com/sports) - [NFL](https://www.cnn.com/sport/nfl) - [NBA](https://www.cnn.com/sport/nba) - [MLB](https://www.cnn.com/sport/mlb) - [WNBA](https://www.cnn.com/sport/wnba) - [Golf](https://www.cnn.com/sport/golf) - [Soccer](https://www.cnn.com/sport/soccer) - [Tennis](https://www.cnn.com/sport/tennis) - [Motorsport](https://www.cnn.com/sport/motorsport) - [College Sports](https://www.cnn.com/sport/college-sports) - [Olympics](https://www.cnn.com/sport/milan-cortina-winter-olympics-2026) - [Bleacher Report](https://bleacherreport.com/) - [Science](https://www.cnn.com/science) - [Space](https://www.cnn.com/science/space) - [Life](https://www.cnn.com/science/life) - [Unearthed](https://www.cnn.com/science/unearthed) - [Climate](https://www.cnn.com/climate) - [Solutions](https://www.cnn.com/climate/solutions) - [Weather](https://www.cnn.com/weather) - [Weather](https://www.cnn.com/weather) - [Video](https://www.cnn.com/weather/video) - [Climate](https://www.cnn.com/climate) - [Ukraine-Russia War](https://www.cnn.com/world/europe/ukraine) - [Israel-Hamas War](https://www.cnn.com/world/middleeast/israel) - [Watch](https://www.cnn.com/watch) - [Featured](https://www.cnn.com/watch) - [Shows & Films](https://www.cnn.com/watch#shows-films) - [Network TV](https://www.cnn.com/videos/live) - [Clips](https://www.cnn.com/videos) - [CNN Headlines](https://www.cnn.com/videos/fast/cnn-headlines) - [Shows A-Z](https://www.cnn.com/tv/all-shows) - [CNN 10](https://www.cnn10.com/) - [CNN TV Schedule](https://www.cnn.com/tv/schedule/cnn) - [Listen](https://www.cnn.com/audio) - [CNN 5 Things](https://www.cnn.com/audio/podcasts/5-things) - [Chasing Life with Dr. Sanjay Gupta](https://www.cnn.com/audio/podcasts/chasing-life) - [The Assignment with Audie Cornish](https://www.cnn.com/audio/podcasts/the-assignment) - [One Thing](https://www.cnn.com/audio/podcasts/one-thing) - [Tug of War](https://www.cnn.com/audio/podcasts/tug-of-war) - [CNN Political Briefing](https://www.cnn.com/audio/podcasts/political-briefing) - [The Axe Files](https://www.cnn.com/audio/podcasts/axe-files) - [All There Is with Anderson Cooper](https://www.cnn.com/audio/podcasts/all-there-is-with-anderson-cooper) - [All CNN Audio podcasts](https://www.cnn.com/audio) - [Games](https://www.cnn.com/games) - [Daily Crossword](https://www.cnn.com/games/play/cnn-crossword) - [Jumble Crossword](https://www.cnn.com/games/play/jumble-crossword-daily) - [Photo Shuffle](https://www.cnn.com/games/play/photo-shuffle) - [Sudoblock](https://www.cnn.com/games/play/sudoblock) - [Sudoku](https://www.cnn.com/games/play/daily-sudoku) - [5 Things Quiz](https://cnn.it/5thingsquiz) - [About CNN](https://www.cnn.com/about) - [Subscribe](https://www.cnn.com/subscription?source=sub_web_footersubnav-link) - [Photos](https://www.cnn.com/world/photos) - [Investigations](https://www.cnn.com/us/cnn-investigates) - [CNN Profiles](https://www.cnn.com/profiles) - [CNN Leadership](https://www.cnn.com/profiles/cnn-leadership) - [CNN Newsletters](https://www.cnn.com/newsletters) - [Work for CNN](https://careers.wbd.com/cnnjobs) * [Business](https://www.cnn.com/business) [Watch](https://www.cnn.com/watch) [Listen](https://www.cnn.com/audio) * Subscribe Sign in My Account - [Settings](https://www.cnn.com/account/settings) - [Newsletters](https://www.cnn.com/newsletters) - [Topics you follow](https://www.cnn.com/follow?iid=fw_var-nav) - [Sign out](https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now) Your CNN account Sign in to your CNN account Follow CNN * Download the CNN app Download the CNN app * Most stock quote data provided by BATS. US market indices are shown in real time, except for the S\&P 500 which is refreshed every two minutes. All times are ET. Factset: FactSet Research Systems Inc. All rights reserved. Chicago Mercantile: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S\&P Dow Jones Indices LLC and have been licensed for use to S\&P Opco, LLC and CNN. Standard & Poor’s and S\&P are registered trademarks of Standard & Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices Copyright S\&P Dow Jones Indices LLC and/or its affiliates. Fair value provided by IndexArb.com. Market holidays and trading hours provided by Copp Clark Limited. [Terms of Use](https://www.cnn.com/terms) [Privacy Policy](https://www.cnn.com/privacy) [Manage Cookies](https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now) [Ad Choices](https://www.cnn.com/ad-choices) [Accessibility & CC](https://www.cnn.com/accessibility) [About](https://www.cnn.com/about) [Subscribe](https://www.cnn.com/subscription?source=sub_web_footerlink-link) [Newsletters](https://www.cnn.com/newsletters) [Transcripts](https://www.cnn.com/transcripts) [Help Center](https://help.cnn.com/) © 2026 Cable News Network. A Warner Bros. Discovery Company. All Rights Reserved. CNN Sans ™ & © 2016 Cable News Network. ## Download the CNN app Scan the QR code to download the CNN app on Google Play. ![Scan the QR code to download the CNN app from Google Play.](https://www.cnn.com/media/sites/cnn/google-play-cnn-app-qr-code.png) ## Download the CNN app Scan the QR code to download the CNN app from the Apple Store. ![Scan the QR code to download the CNN app from the Apple Store.](https://www.cnn.com/media/sites/cnn/app-store-cnn-app-qr-code.png) ![CNN Logo](https://www.cnn.com/media/sites/cnn/cnn.svg) ## Legal Terms and Privacy By clicking Agree, you have read and agree to the Terms of Use and agree to the collection and use of your information by cookies and similar technologies, as set forth in our Privacy Policy. By clicking "Agree", you have read and agree to the [Terms of Use](https://www.cnn.com/terms) and agree to the collection and use of your information by cookies and similar technologies, as set forth in our [Privacy Policy](https://www.cnn.com/privacy). [Agree](https://www.cnn.com/2025/06/07/business/should-you-invest-in-crypto-now)
Readable Markdown	CNN — Much has changed in the crypto landscape over the past year and a half. And with it, so may more investors’ minds about cryptocurrencies — especially bitcoin, the (very young) granddaddy of them all. Crucially, crypto has gained greater acceptance among regulators and large institutional investors as an asset class that is likely here to stay. The Securities and Exchange Commission now regulates spot bitcoin and ethereum exchange-traded funds. Coinbase, the crypto currency exchange, is now on the S\&P 500. [Stablecoin](https://www.cnn.com/2025/06/05/business/stablecoins-crypto-genius-act) provider Circle just went public. The Trump administration, meanwhile, is very supportive of crypto, and the Labor Department [just rescinded](https://www.dol.gov/newsroom/releases/ebsa/ebsa20250528) its 2022 guidance urging 401(k) fiduciaries to “exercise extreme care” if they include a crypto investment option to plan participants. Ad Feedback Ad Feedback With bitcoin now trading above \$100,000 and US lawmakers actively [working on crypto regulations](https://www.cnn.com/2025/06/05/business/stablecoins-crypto-genius-act), it may be worth revisiting the question of whether you should have exposure in your portfolio. The answer will be highly personal, driven by your risk tolerance, time horizon and knowledge. Despite being a crypto advocate, Tyrone Ross, founder of financial planning firm 401 Financial, put it this way: “We have a long way to go before you should be YOLO-ing your way into crypto.” When financial advisers have been asked over the past several years whether they would recommend that clients invest in bitcoin or other cryptocurrencies, many were reluctant because digital assets were not regulated, pricing was highly volatile and their use case and valuation was hard for both adviser and client to understand. Unlike stocks, which can be valued on the basis of tangible components such a company’s goods and services, bitcoin is considered a store of value, and its price is driven by what others are willing to pay for it. That caution was understandable, said Ric Edelman, who founded Edelman Financial Engines and then created the [Digital Assets Council of Financial Professionals](https://dacfp.com/), which provides certification courses in blockchain and digital assets for financial professionals and investors. But, at this point, Edelman believes that advisers who value diversification as a strategy in their clients’ portfolio — eg, across asset classes, sectors, etc. — would be remiss not to recommend adding at least a small amount of digital asset exposure. “They ought to be cautious. But being cautious doesn’t mean abstinence,” he noted. “We’ve seen bitcoin reach all-time highs and seen institutional investors engage for the first time.” Several years ago, when crypto’s future was far less certain, Edelman had recommended a 1% asset allocation to crypto, an amount small enough that even if a crypto investment fell to zero it would not greatly harm the long-term trajectory of a person’s portfolio. In March this year, using bitcoin as an example, he compared the performance of a balanced 60% stocks/40% bonds portfolio with an average annual return of 7% over a decade, to a portfolio where the equity portion is reduced to 59% in favor of a 1% investment in bitcoin. In the extreme, if bitcoin became worthless the average return would only drop to 6.9%. And, equally extreme, if the price rose to \$1 million, the return would increase to 7.4%. If the equity portion were reduced to 57% with 3% put into bitcoin, the average return drops to 6.8% in the worthless scenario and jumps to 8.2% if bitcoin hits \$1 million. If bitcoin exposure were upped to 5%, the downside return would be 6.7% and the upside return would be 9%. Despite bitcoin trading around \$100,000 — a nosebleed level relative to where it had fallen during the so-called crypto winter of 2022 — Edelman believes that the price still has a lot of upward potential because the number of bitcoins is permanently limited and demand for it is increasing. For those who have yet to invest in crypto and would like to, “the best place to begin is bitcoin,” Edelman said. “It is by the far the largest digital asset — and it’s the digital asset of choice for institutional investors.” And, he added, “it’s different than all other digital assets. It’s a store of value and a transmittal (instrument). All the others are designed for specific commercial uses and it’s far less certain as to which of the others will be successful.” But investing directly in bitcoin and storing it in your own wallet can be a complicated proposition unless you know what you’re doing. “Scams are a big issue in this space,” Ross said. A far safer route for the novice crypto investor, he and Edelman said, is through an SEC-regulated bitcoin ETF. Not everyone is as immediately bullish as Edelman. In a [March note](https://www.tiaa.org/public/pdf/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) to clients,TIAA chief investment officer Niladri Mukherjee said, “While broadening enthusiasm around crypto adoption and the bitcoin ETFs are an encouraging sign for the industry, from an investment perspective, its value drivers will take time to develop and to be well understood by market participants.” Given that the industry is still “quite opaque and unregulated,” Mukherjee added that individuals should do their due diligence before investing. But even before you do that, gut check yourself. When asked who absolutely should not invest in crypto, Edelman was quick to reply: “Those who cannot emotionally tolerate volatility. Because we know (cryptocurrencies are) highly volatile. You’re likely to sell when prices are low.” That’s especially the case if you decide to invest directly in a given coin. A good way to test your appetite for volatility is to consider how much you might spend on a nice meal at a favorite restaurant and invest that amount into crypto if it doesn’t strain your household budget. Then just watch to see what happens over the next several months, Ross said. “Track it, read about it, understand its ebbs and flows.” In other words, [educate yourself](https://www.tiaa.org/public/pdf/cio-focuspoint-decoding-cryptocurrency-mar-2025.pdf) about how things work before making any real commitment to it. Then if you think you’re comfortable enough, you might invest small amounts monthly — again, nothing that would compromise you financially, he suggested. In terms of an overall allocation of your assets, Lazetta Rainey Braxton, founder of the financial planning firm The Real Wealth Coterie, said you want an amount that is small enough that it won’t undermine the valuation of your portfolio if things go south. And, she added, “(stick) with players that are well known and respected and have the infrastructure in place to make sure that they are offering a solid investment and also the information associated with that.” Trent Porter, a certified financial planner and certified public accountant at Priority Financial Partners, is not a big fan of crypto even with all the developments in recent months easing investment in the space. “My core advice remains unchanged: Crypto exposure should match an investor’s personal risk tolerance and capacity, keeping the allocation small (no more than 5%) for most people. Regulatory risk might have eased, but market risk is still very real, and as we all know, the regulatory environment can change quickly.”
Shard	51 (laksa)
Root Hash	2312100192101524051
Unparsed URL	com,cnn!www,/2025/06/07/business/should-you-invest-in-crypto-now s443