[Digital Today reporter Jinju Hong] U.S. asset manager Charles Schwab, ahead of launching bitcoin (BTC) and ethereum (ETH) trading services, released a guide urging crypto investors to consider risk before returns.

On April 21 (local time), blockchain media outlet The Crypto Basic reported that the company stressed in an explanatory video that managing volatility is key when adding digital assets to a portfolio.

Schwab noted that because bitcoin is far more volatile than traditional assets, even a small allocation can have a large impact on an overall portfolio. It said investment decisions should be based not on expected returns but on the amount of risk added to the portfolio.

It also presented specific allocation guidance. Charles Schwab said conservative investors may have sufficient exposure to bitcoin at about 2.7 percent of total assets, while more aggressive investors can also maintain a risk balance at about 6.9 percent. It added that ethereum and other digital assets could be more volatile than bitcoin, so allocations could be lower.

The guidance comes ahead of the launch of the "Schwab Crypto" service. The service is expected to provide customers with bitcoin and ethereum trading functions in the coming weeks. Charles Schwab has repeatedly hinted at the possibility of supporting cryptocurrency trading in response to growing customer demand.

Customer asset flows are also cited as a backdrop to the decision. Rick Wurster (릭 워스터), chief executive officer of Charles Schwab, previously said that many customers last year kept about 98 percent of their total assets with Schwab while holding the remaining roughly 2 percent in cryptocurrencies on external platforms. He said customers want to manage cryptocurrencies on a single platform for reasons of reliability and convenience.

The market views the move as part of a broader trend of traditional finance expanding crypto inclusion. Goldman Sachs is pushing to launch yield products linked to bitcoin, and Morgan Stanley is also actively participating in the market by offering spot bitcoin ETFs.

The guide goes beyond a simple service launch, in that it laid out in concrete terms how a traditional asset manager can incorporate cryptocurrencies within existing portfolio frameworks. Schwab put forward a message that digital assets should be approached within a range that keeps overall risk under control rather than through excessive allocation increases, and it is expected to influence how traditional finance invests in cryptocurrencies going forward.

INTEL: $12T Charles Schwab drops #Bitcoin education content. Direct BTC trading coming in weeks. pic.twitter.com/ymlQXE6AIa