Should Crypto Be Part of Your Retirement Strategy?

With more platforms offering Bitcoin ETFs and crypto options inside IRAs, plenty of investors are asking: “Should cryptocurrency be a piece of my retirement planning?” As I recently shared with Bankrate, my answer is straightforward—any crypto exposure in your nest egg needs to be approached with a healthy dose of caution and strategy.

From a risk perspective, crypto’s volatility and regulatory uncertainty make it purely speculative—especially compared to time-tested retirement portfolio staples. As I put it for Bankrate, “Even with the arrival of ETFs and new brokerage access, retirees should treat digital currencies like a potent spice: A dash can liven up a recipe, but too much can ruin the whole meal. The core of your retirement nest egg deserves to be sturdy and time-tested.” For clients who are determined to include crypto, I recommend keeping speculative assets (including crypto) at no more than 10% of the overall portfolio—and always weighing new opportunities against your hard-earned peace of mind. Remember: successful retirement planning rewards the prepared and the patient, not the gambler chasing the next big thing.

If you’re considering whether—and how—to incorporate crypto with your retirement and wealth management strategy, let’s talk. We’ll make sure any moves fit your real-world goals, risk tolerance, and long-term financial plan. The right plan is built for security first—then flavor.