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Should You Buy Bitcoin?

In general, many financial experts support their clientsā€™ desire to buy cryptocurrency, but they donā€™t recommend it unless clients express interest. ā€œThe biggest concern for us is if someone wants to invest in crypto and the investment they choose doesnā€™t do well, and then all of a sudden they canā€™t send their kids to college,ā€ says Ian Harvey, a certified financial planner (CFP) in New York City. ā€œThen it wasnā€™t worth the risk.ā€ The speculative nature of cryptocurrency leads some planners to recommend it for clientsā€™ ā€œsideā€ investments. ā€œSome call it a Vegas account,ā€ says Scott Hammel, a CFP in Dallas. ā€œLetā€™s keep this away from our real long-term perspective, make sure it doesnā€™t become too large a portion of your portfolio.ā€ In a very real sense, Bitcoin is like a single stock, and advisors wouldnā€™t recommend putting a sizable part of your portfolio into any one company. At most, planners suggest putting no more than 1% to 10% into Bitcoin if youā€™re passionate about it. ā€œIf it was one stock, you would never allocate any significant portion of your portfolio to it,ā€ Hammel says.

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