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Bitcoin in retirement savings should not exceed 5 percent, experts recommend

Experts say bitcoin may be viewed as a long-term investment but should take only a small share of retirement assets because volatility and the risk of losses at withdrawal matter most. Industry sentiment is leaning toward limited allocations rather than making bitcoin a core holding. Some firms suggest 1 to 2 percent or 2 to 5 percent, while advisers recommend keeping crypto below 5 percent. Institutions also tend to invest indirectly via regulated spot ETFs or crypto-related companies.