Renowned financial advisor Ric Edelman maintains his position that investment portfolios should include up to 40% exposure to cryptocurrency, even as Bitcoin (BTC-USD) experiences a notable decline. His stance underscores a bold shift in mainstream asset allocation thinking.
- Ric Edelman recommends up to 40% allocation to cryptocurrency in investment portfolios.
- Bitcoin (BTC-USD) dropped 18% over three weeks in late November 2025, triggering renewed debate.
- Ethereum (ETH-USD) is included in his recommended crypto mix alongside BTC-USD.
- Edelman cites historical returns of over 120% annually for BTC-USD over the last decade.
- His stance contrasts sharply with traditional portfolio guidelines that limit crypto to under 5%.
- The recommendation may influence institutional and retail asset managers to reassess crypto exposure.
Despite a recent pullback in Bitcoin (BTC-USD), which fell 18% over a three-week period in late November 2025, Ric Edelman continues to recommend that investors allocate up to 40% of their portfolios to digital assets. The advisor, known for his disciplined investment approach, views volatile corrections not as risks, but as strategic entry points for long-term positioning. Edelman’s recommendation includes exposure to both Bitcoin (BTC-USD) and Ethereum (ETH-USD), with a preference for holding them as core holdings rather than speculative bets. He emphasizes that crypto’s limited supply, growing institutional adoption, and increasing integration into financial infrastructure justify its role as a modern store of value. In his view, even during periods of price correction, the underlying fundamentals of blockchain technology remain strong. The suggested 40% allocation is a dramatic increase from traditional benchmarks, which typically cap crypto exposure at 5% or less. This shift reflects Edelman’s broader philosophy of diversification beyond conventional assets, particularly in an environment of persistent inflation and monetary policy uncertainty. He notes that over the past decade, BTC-USD has delivered annualized returns exceeding 120%, while ETH-USD has outperformed many equities in the same period. The market response has been mixed. While retail investors are showing increased interest in crypto rebalancing, some financial institutions remain cautious. Still, the endorsement from a widely respected figure like Edelman may influence fund managers and robo-advisors to reevaluate portfolio construction models, potentially leading to larger-scale crypto inflows in the coming quarters.