US financial advisor Ric Edelman has upped his Bitcoin recommendation from a cautious 1% to a bold 10–40% of investors’ portfolios.
He points to the January 2024 launch of US Bitcoin spot ETFs, which funneled in more than $10 billion in their opening months, as proof that digital assets are here to stay.
Having watched governments and major firms embrace crypto, he now believes the risks that once held him back are largely behind us.
Strong Growth In Bitcoin ETFs
According to reports, the launch of US Bitcoin spot exchange‑traded funds in January 2024 opened the floodgates. These ETFs have drawn in billions of dollars and put digital currency at the front of many investors’ minds.
Sales figures show that ETFs poured in more than $10 billion in their first months on the market. Those numbers have convinced many that Bitcoin is no longer a niche play.
Major Players Show Their Hand
Based on interviews and filings, nation‑states like Pakistan and the UAE have started to add Bitcoin to their reserves.
Public companies such as MicroStrategy (now Strategy) and Metaplanet keep buying more coins, while big finance names—Barclays Bank, Avenir, and Goldman Sachs—have dipped their toes in through those same ETFs. This level of interest would have sounded impossible back in 2020 when Bitcoin was still seen as an experiment.
Questioning The 60/40 Rule
Edelman pointed out that the classic 60% stocks and 40% bonds formula isn’t cutting it anymore. With people living longer and bond yields at historic lows, retirement accounts are in need of a boost.
He contends that Bitcoin’s gains over the past decade have outpaced every other major asset class. Based on charts, Bitcoin climbed over 1,400% between 2015 and 2025, while the S&P 500 posted around 250% in the same span.
Bold Price Goals On The Table
Analysts aren’t holding back when it comes to price targets. Some see Bitcoin hitting $500,000 or $1 million in this cycle. High‑profile backers go even further—Michael Saylor has talked about $13 million per coin if certain on‑chain signals line up. These figures sound wild. They also explain why a 40% allocation could feel tempting to aggressive investors.
Balancing Risk And Reward
Still, experts warn that Bitcoin’s swings remain sharp. Prices can rise or fall by 20% in a day. A 40% weighting means big gains when markets rally and big losses when they drop. Many advisors suggest a smaller 5–10% Bitcoin holding for those who want some upside without risking their entire nest egg.
What This Means
Based on reports from the Digital Asset Council of Financial Advisors, everyday investors might not need to go all‑in just yet. A gradual approach can help you learn the market and adjust if volatility spikes.
It’s a fast‑moving scene, so keeping an eye on ETF inflows, regulatory updates, and network health will be key.
Featured image from Unsplash, chart from TradingView
