Crypto isn't going away, but neither is its volatility. The grown-up question isn't whether to own it โ it's how much.
Size any position so a 70% drawdown wouldn't change your life. If it would, you own too much.
A sizing rule
Treat crypto like a high-risk sleeve, not a core holding.
- Most planners suggest 1โ5% of investable assets
- Rebalance so winners don't quietly become your whole portfolio
- Never invest the emergency fund
Mind the taxes
Every trade is a taxable event. Track your basis or your gains will surprise you in April.
The Bottom Line
Own it deliberately and small. Conviction is fine; concentration is how plans break.