Ric Edelman Urges 40% Crypto Allocation as Old Investment Rules Collapse

Financial legend Ric Edelman has dramatically revised his crypto stance, recommending up to 40% portfolio exposure.

Ric Edelman, a longtime financial advisor and founder of Edelman Financial Services, has made a seismic shift in his investment guidance—publicly endorsing cryptocurrency allocations of up to 40% in modern portfolios.

Back in 2021, Edelman was far more conservative, suggesting just 1% crypto exposure in his book The Truth About Crypto, urging investors to proceed cautiously. Now, in a bold interview with CNBC’s Crypto World, he acknowledged, “Recommending 40% is extraordinary. No one has really put that out there before.”

Edelman attributes his changed outlook to the radical transformation of the crypto ecosystem over the past four years. Previously, concerns about regulatory crackdowns, tech reliability, and institutional adoption kept crypto on the fringes. Today, he argues, those fears have largely vanished.

As chair of the Digital Assets Council of Financial Advisors, Edelman believes that digital assets are now firmly mainstream. The launch of Bitcoin ETFs, which have already pulled in billions in inflows this year alone, further solidifies the role of crypto in serious long-term portfolios.

He also challenges traditional investment wisdom, particularly the long-held 60/40 stock-to-bond strategy. With people increasingly living into their 90s or beyond, Edelman suggests that even 60-year-olds should remain heavily invested in growth assets.

“If you’re advising a 30-year-old, you’d say go 100% stocks,” he said. “But with extended life expectancy, a 60-year-old should think the same way.”

He highlighted Bitcoin’s unique behavior compared to traditional assets like equities and commodities, calling it an essential diversification tool. According to Edelman, crypto doesn’t just offer differentiation—it offers the potential for significantly higher returns.

He added that some market analysts are projecting Bitcoin to reach $150,000 to $250,000 by the end of 2025, with forecasts as high as $500,000 by 2030. “That’s actually the conservative view,” Edelman noted, emphasizing the asymmetric upside of digital assets in modern portfolios

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