Ric Edelman, the prominent American financial consultant, now recommends putting up to 40% of portfolios into cryptocurrency. Four years earlier, Edelman urged only a thin 1% allocation in his 2021 book, “The Truth About Crypto”. Then his cautious advice voiced fears about regulation, adoption, and the development of blockchain technology.
The sophistication of the crypto market and the institutional world we have today leans towards a greater allocation today, according to Edelman.
He believes the indecision that had engulfed crypto over the past is over, and the asset class has developed significantly. Edelman noted that cryptocurrencies, and Bitcoin specifically, are respectable components of modern financial planning strategies.
He also challenged the older 60/40 style of investment portfolios, 60 percent stocks and 40 percent bonds. He argued that longer lifespans and shifting marketplace realities demand something new.
He added that an individual aged 60 today must think like a 30-year-old from the past. He believes older, classic bond returns are not enough anymore to support longer retirements.
Crypto regulations advancing toward september deadline
Bitcoin ETFs have also had a significant role to play in crypto’s increasing profile. Billions of dollars have flowed into the funds in 2025 alone. These are trends that indicate increasing investor interest and confidence in crypto products.
As reported by Edelman, the price movement of Bitcoin has limited correlation with stocks, bonds, and commodities and offers diversification benefits for investors. TRM Labs noted more than $2.1 billion had been stolen via 75 distinct hacks during the first half of 2025.
It demonstrates that cybercrime threats continue to be a threat, with more than 80% of the stolen funds attributed to crypto infrastructure vulnerabilities. This has not, according to Edelman, dented the crypto market’s unbeatable potential for growth.
In the meantime, crypto policies are emerging. Senate Banking Committee Chairman Tim Scott has revealed that the crypto regulation bill for the US will be ready by the end of September.
In addition, Bill Pulte of the Federal Housing Finance Agency has disclosed crypto-backed home loan plans, another step closer toward increased digital asset use.
