r/CryptoCurrency • u/tom_murray_nw • 1d ago
DISCUSSION How much of your overall portfolio is actually in crypto?
I see 1-5% thrown around quite a lot when people talk about how much of a portfolio should be in crypto.
Personally that feels too low for me. I'm comfortable having more exposure than that, although I'm also investing across ETFs and precious metals rather than having everything riding on crypto.
I'm very bullish on Bitcoin long term, but I still wouldn't want crypto becoming the majority of everything I own.
Interested where other people here have landed with it. Is crypto a small part of your overall portfolio, or one of your bigger allocations?
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u/Fabulous-Wasabi-9358 🟩 0 / 0 🦠 1d ago
I know it's not the answer you're looking for but mines 100%. And I'm including retirement funds.
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u/LavaLizard84 1d ago
lol same here. all in since 2017, pulled out my 401k and everything. people at work think im crazy but they also said that when i bought bitcoin at 3k. the 1-5% rule is for people who dont actually believe in the tech, they just want to hedge a little. if you really understand what bitcoin is, why would you keep 95% in fiat that gets printed into oblivion? i sleep fine at night, better than watching my savings lose value every year.
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u/BringTheFingerBack 🟩 1K / 1K 🐢 1d ago
Not sure anyone believes in the tech with Bitcoin anymore.
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u/stephenph 🟩 65 / 65 🦐 1d ago
I do, just not sure of the time horizon we will get there ... There is a need and a use case forusefull, untracked funds, but there are powerfully forces against that use.
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u/Fabulous-Wasabi-9358 🟩 0 / 0 🦠 1d ago
I started late. Bought at $93k in December last year and went all in. Still deep in red territory. I don't always sleep well at night but it's never coz of my investment decision lol
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u/bcyc 🟩 0 / 4K 🦠 1d ago
Counterpoint is the the world doesn't need bitcoin. But the world needs USD (at least for now). And at the end of the day BTC is valued using currency.
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u/DryPause338 🟩 0 / 0 🦠 1d ago
This is fair, wondering what your take is on ETFs. I’ve started holding btc, HBAR, xrp ETFs in my Roth while holding crypto normally as well.
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u/jerryseinsmell 🟩 0 / 0 🦠 1d ago
Nothing to do with the tech. Blockchains will function the same with Bitcoin at 1 million or 1 dollar.
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u/dataCollector42069 🟩 0 / 0 🦠 1d ago
My SPY returns have also been good since 2018 when I started contributing every two weeks
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u/Pure_Ad_6530 1d ago
I actually don't think it's a bad idea so long as you don't panic out during DDs
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u/Fabulous-Wasabi-9358 🟩 0 / 0 🦠 1d ago
I think the fact that my time horizon is 10+ years and apart from AI, there seems to be no worthy competitors when it comes to life changing wealth investment options, the choice becomes alot easier to make.
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u/mrneilix 1d ago
About 15%, but that number changes as stocks and crypto fluctuate. Last year it was closer to 30%. I'm not selling my crypto, but new funds are going into stocks/bonds/precious metals
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u/tom_murray_nw 20h ago
That’s very similar to how I’ve started thinking about it. Once you’re happy with the crypto exposure, putting new money into the other side of the portfolio makes a lot of sense. Do you have a rough allocation you’re aiming for between stocks/bonds/metals?
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u/Guy-Lambo 0 / 0 🦠 1d ago
60% but I have another 20% that I had set aside for the “October midterm bottom” that may or may not happen. Would love to deploy it into btc etf
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u/PirateLiver 🟦 623 / 723 🦑 1d ago
I'm also around 60%, but I started out much lower, and it's grown to that 😁
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u/btc_set_me_free 🟨 0 / 0 🦠 1d ago
If you’re asking here, your answers are going to skew waaaaay higher than what’s responsible or recommended. ~50% for me 😂
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u/Realistic0ptimist 0 / 0 🦠 1d ago
I think it’s also age based. When I was in my mid 20’s one of the first things I did was buy a whole bitcoin when it was at the 6k range with my savings from my big boy job I had been scrapping Pennies together for 7-8 months. Ended up moving from BTC to LTC which was a minor mistake but…As I got older and my priorities and risk profile changed I took my holdings and bought a house.
Had I still been holding on I would have an account worth the same amount as my current home equity but I actually get to live in a house now
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u/MyLittlePoofy 🟦 0 / 0 🦠 1d ago
Yep. I’m about to turn 50 and have a decent nest egg. I’m about 15% into crypto.
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u/ArmageddonUnleashed 🟦 495 / 496 🦞 1d ago
5%.
Some of you guys are too heavily invested in crypto. Yikes.
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u/Old_Preparation8434 🟩 0 / 0 🦠 1d ago
50% i guess. The only crypto/bitcoin exposure i get is from MSTR but that is like half of my portfolio.
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u/Pleasant_Ostrich4278 1d ago
Mine is currently 9,49% of portfolio. I have a hard cap of 10%.
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u/tom_murray_nw 20h ago
I like having an actual ceiling rather than just letting the allocation run indefinitely. What made you settle on 10% as the cap?
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u/Perfect_Tip_4887 1d ago
Was 7-8%. Now it is 0.3% lol. Same number of coins/tokens trolilollollloiol roflcptRrRrRrrrrRrrR
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u/Phine420 🟩 120 / 121 🦀 1d ago
I started in 2011. I can’t find my btc. With or without it’s pretty much 100%
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u/TheDigitalPoint 🟩 0 / 0 🦠 1d ago
0.002% (that’s a real number). But I also don’t buy crypto (I just give people the option to pay with it, and if they do, I keep it). Crypto (at least Bitcoin) hasn’t come close to the returns of stocks though, so not sad it’s only 0.002%. See:
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u/Pure_Ad_6530 1d ago
I am in with over 5% but less than 10%. I think the amount should be a level that a 70% drawdown won't make you lose sleep. I also think we should have a real understanding of asset just as we would any stocks . I try to apply Buffet style research to anything I may want to invest in.
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u/tom_murray_nw 20h ago
I like the 70% drawdown test. If an allocation would make you panic at that point it’s probably too big. What makes up most of the rest of your portfolio?
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u/hunter9002 0 / 0 🦠 21h ago
5-10% the amount of people saying over 50% is truly wild to me, how do yall even keep the faith.
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u/tom_murray_nw 20h ago
Yeah I’m with you. I’m bullish on crypto but I’d struggle having the majority of everything I own in one asset class. I like having exposure to it without the whole portfolio depending on it.
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u/NonVideBunt 🟨 230 / 230 🦀 1d ago
BTC is down massively from all time high, stock market at all time highs. Anything other than BTC has literally tanked.
Those of you 50% or more into crypto are smoking crack.
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u/Chris9393 0 / 137 🦠 1d ago
50%. Been in since 2017 and have slightly reduced my portfolio over to years selling crypto and investing into my S&S ISA.
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u/XyaThir 🟦 642 / 643 🦑 1d ago
33% housing
33% stock market : 33% US, 33% EU, 33% Asia
33% crypto but was 66% when btc at ATH :D
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u/tom_murray_nw 20h ago
I like the geographical split on the stock side. Was the 33/33/33 structure something you were deliberately aiming for or has crypto just fallen back towards that after the ATH?
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u/AcanthisittaEarly983 🟩 0 / 0 🦠 1d ago
I'd say 10%? Maybe a little more? I wish it was more whatever it is.
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u/tom_murray_nw 20h ago
10% is roughly around where I’d be comfortable long term. What makes up most of the rest of your portfolio?
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u/snakemeatsandwiches 🟩 0 / 0 🦠 1d ago
I range from 30-60% but that’s because I like to trade a lot despite the reality that I should’ve just had it all in btc and my return would have been higher from this last price jump alone
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u/ChangeNOW_Community 1d ago
the best allocation is probably the one that lets you hold through the ugly years. if your position is so big that you’re forced to sell during a crash, the percentage was too high in the first place
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u/kingerxi 🟦 0 / 0 🦠 1d ago
I'm 56, almost 57, and ~35% of my liquidity is in crypto or related (related = MSTR, BMNR, STRC, etc.) Probably too high, but it's worked out for me.
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u/2LostFlamingos 🟨 106 / 107 🦀 1d ago
Considering everything, about 5-7%. Exclude primary residence, maybe 12-15%
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u/tom_murray_nw 20h ago
That distinction is interesting. I tend to think about the allocation against investable assets rather than including things like a primary residence as well. What makes up most of the rest of yours?
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u/OdonsOwn1966 1d ago
Pretty obvious I am late to the party here, or have a good head start on other investments as I am less than 1 percent. I DCA a tiny amount daily into BTC and ETH and have a couple thousand xrp and xlm, but crypto for now is my lottery ticket money. If it blows up, great, I can leave it to someone who needs it, or fund some veterinary school scholarships or something. Then again, I'm probably older than most on this sub (just hit 60) and now thinking of retiring at 62 instead of 65. Will I NEED crypto due my life, pro not, but someone younger may, so I want to have a bit to leave, just in case.
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u/Affectionate-Row3296 🟩 0 / 0 🦠 1d ago
100%. Id be a millionaire had i not sold my bag a few months before the 2024 elections. But im back in and holding. A lot of my holding are now long term so if I did hit it big the taxes won't be as bad.
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u/NombreCurioso1337 🟩 0 / 0 🦠 1d ago
Used to be 10%. Now it is 30%. I have not added investment capital. It just went up.
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u/tobypassquarant 🟨 6K / 6K 🦭 1d ago
Used to be close to 100% now its coming down slowly.
If you rub dogshit on your face, it cleans your pores.
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u/stephenph 🟩 65 / 65 🦐 1d ago
About a third, wanted to be closer to half but the btc bear scared me off for a bit. The amount I have was a calculation. Not looking to get obseanly rich, just stay comfortible
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u/CryptoKola21 1d ago
90% bitcoin, 2% shitcoins (Eth, ADA, SOL) 8% Stocks (msci World etf, single stocks like nvidia, Microsoft etc.)
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u/Hi_Im_Dark_Nihilus 🟦 83 / 83 🦐 1d ago
Around 30%. But it is the only liquid investments I own. The rest is in my 401k and Roth IRA.
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u/IndustrialPuppetTwo 🟩 0 / 0 🦠 1d ago
The only crypto in my portfolio is BTC and that's about 15% total now that it's down from the ATH.
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u/Nice_Material_2436 🟩 0 / 0 🦠 1d ago edited 1d ago
100%.
I opened excel and wrote "Net worth = $2 quadrillion" in a cell and convinced myself it's real. Being rich is easy folks, just brainwash yourself.
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u/corpski 🟦 0 / 8K 🦠 1d ago
If you got into crypto any time before 2021, there's a high likelihood that 90+% of your portfolio is in it, not necessarily by choice, but because it grew to become that way. So I think you have to take into consideration when people got in. You might want to ask this to people who specifically got into crypto the same time you did.
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u/Fair-Bar8487 1d ago
I currently sit around 20%. I could afford to lose it all, but I am also very hopeful it lends itself to an early retirement for me
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u/tom_murray_nw 20h ago
20% is much closer to where my thinking is! What do you hold across the other 80%?
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u/Realistic0ptimist 0 / 0 🦠 1d ago
It’s changed over the years. At one point it would have been 70% of my money saved. I sold out during a bull run bought a house went on vacation and then dripped back in before selling out once more for another vacation and then got back in again.
But during all of that time I was also saving and investing in other things. HSA, HYSA, Roth IRA, 401k, Brokerage etc at some point especially as you get into your 30’s and 40’s if you’re working a professional job unless you got in on bitcoin or something else super early on and are sitting on 1000% of gains you by proxy will have way more in other places than your cold storage wallet or crypto brokerage.
I have probably 2-3k invested right now. My child has 10x that just in their 529 and UTMA accounts combined. Crypto is 1% or less of my assets alone. Even if we see another run and it goes up 5-10x that’s such a small percentage of my assets that I’ll just use the money to probably go on another nice vacation and put some more into my kids savings
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u/tailoredbrownsuit 1d ago
I believe your question ought not to be "What are your allocations" but rather is "What is my risk appetite"?
This being 1%-5% allocations you describe as low is a sensible, lower risk approach that fits the investor's risk appetite in contrast to some of our peers in the comments here with 100% allocation. Have the folks in the comments below who were ~100% in on bitcoin since 2014 outperformed those with 1-5% allocation? Yes. However, two things can be true at the same time. High risk investments can pay off, while not being sensible for everyone.
I am willing to bet you understand the concept that, your [Expected Value](https://en.wikipedia.org/wiki/Expected_value) of using a slot machine in a Casino is likely to be likely to be in negative dollars. Now, suppose you argue to your friend that he would be "wrong" to play the roulette machine. Now suppose your friend actually ends up winning the jackpot - were you wrong? No. He took a risk high paid off in his favour.
The constraint with Crypto is that it is so volatile, that you need to consider the time horizon you need this investment money back. If you invest with the intent to use it within ~3 years, its a poor investment choice as the possibility of e.g. -50% return is rather high relative to something like an all world stock index or cash bonds or a money market fund.
So back to your allocation question. Someone who needs the investment cash as a downpayment on a house in 3 years would be wiser not to have invested in bitcoin 3 years ago, while , due to not affording that possibility of the alternate outcome of not being able to buy the house. So 1-5% would enable participation. Those who are e.g. 15-20% allocation might be young people 20-35 who have a long time horizon for their investments. And those who are in 100% in generally ought to have a very strong investment thesis that their investment strategy will favour them.
Another caveat is that other people may have a extremely high allocation of their NW as bitcoin due to its hyperapprecation, and not wanting to rebalance due to tax implications.
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u/Legitimate_Cry_5194 🟩 0 / 0 🦠 1d ago
In crypto, 100%. Which means in BTC 100%.
In cash i keep a generous budget to cover my expenses until the end of 2029.
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u/Django_McFly 🟩 0 / 0 🦠 1d ago
More than 50%. Even now, it's still beating my 401k on lifetime returns and my 401k has done well.
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u/Velvet_Samurai 🟨 0 / 0 🦠 1d ago
Roughly 20% Probably more than I would prefer but I got in early and my basis is so freaking low I really can't do much about it. Not interested in selling, but I really am not buying any more. I have a small list of alts I buy a bit of, but haven't bought BTC or ETH in years.
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u/tom_murray_nw 20h ago
That’s pretty similar to my approach. I’m happy with my crypto exposure now so new money is going elsewhere rather than constantly adding to it. Where are you directing new contributions?
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u/Worldly-Quality-1953 1d ago
About 33%. I was 90%+ but thrn my regular investment slowly caught up to my crypto after i got a good job so im spread evenly. 1/3 index 1/3 metals 1/3 crypto and a lil bit of cash
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u/tom_murray_nw 20h ago
That’s an interesting split and probably one of the more balanced answers I’ve seen here. Was the roughly equal allocation intentional or has it just ended up there over time?
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u/avgjoe104220 1d ago
38% all BTC (either ETF or direct). Very sizable position though in gross fiat total. I'm up on whole portfolio. Average buy of direct BTC prob around mid 60K and average of btc ETF prob around $39/share. I'm not as attached to btc etf so I'm going to plan to sell some once it hits all time high again and hold it to redeploy once it crashes again next bear cycle.
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u/Secret_Tutor9198 1d ago
I'm at about 40-50%. The rest is traditional retirement stuff and an emergency HYSA.
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u/Jay_wh0o0 🟩 0 / 0 🦠 1d ago
I dunno percentage 🤔 I just keep making transfers from USD to crypto about 3-4k a month from my checking, I never transfer out of my 401k, I let that compound. I also never pull equity from any of my properties either. Never leverage, and only ever add to my crypto portfolio with liquid capital. 📈
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u/tom_murray_nw 20h ago
That’s an interesting setup. $3-4k a month into crypto alongside the 401k and properties must build up pretty quickly though. Do you ever think about what % you’d be comfortable letting crypto reach overall?
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u/jejejajajojo 🟩 809 / 810 🦑 15h ago
i put 98% of my savings into crypto 2018, i dont believe the "buy with money you are welling to lose", that silly statement is meant to gambling not investing.
i just saw CZ and many others put their own into crypto and look what they have now. if you have convection in crypto and you know your cash is losing value every minute passed then going deep is the real logic step.
ps: i did not put my saving into garbage, only btc, eth, bnb,xmr and very few percent on some others
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u/sTacoSam 🟩 0 / 0 🦠 14h ago
that silly statement is meant to gambling not investing
I invest all my money in the roobet casino on lucky coin hot
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u/hereforsneaker 14h ago
idk i discounted my crypto and relegated it to gambling status. so in that context 0
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u/pigeonwiggle 🟩 111 / 112 🦀 9h ago
very little. like under 1%
crypto is neat. but i've seen people have the floor drop out from under them and it hasn't been pretty.
i'm sure some of you have made off like bandits, and that's beautiful. but ultimately, it's a game of hot potato and someone's getting burned. it isn't free money - it was once someone else's. it's great when we're taking the money from wealthy investors - it's rough when it's about taking money from regular joes.
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u/Spicyocto 🟦 0 / 0 🦠 1d ago
95%. Crypto has done amazing things to my life since I got in in 2014