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Yahoo
6 days ago
- Business
- Yahoo
Should crypto be part of your retirement investing strategy? Here's what financial pros say
When it comes to saving for retirement, there's a lot to consider. Not only do you have to define your goals and what kind of life you want to live in retirement, but you also have to consider the types of investments to include in your retirement portfolio to help you get there. With the rise of Bitcoin ETFs, and crypto IRAs introduced by financial giants like Fidelity, you may have questions about what role crypto should have in securing your retirement — and if it should even play a role at all. We asked certified financial planners what they're recommending to clients these days, what you should consider before investing and why. 1. Know what you're getting into It's widely known that crypto is a speculative and volatile investment. This is because the digital asset isn't backed by actual business performance or cash flow like stocks are. In the crypto world, prices are solely based on 'vibes,' or how investors feel about a certain coin. The allure of big gains can be tempting, but prices hinge on market sentiment. Understanding this is key if you're going to consider using crypto to help fund your retirement years. Crypto prices are fast moving, and not always in a good way. 'If you're considering buying it just because it has risen 18 percent year-to-date, you may just be chasing returns and speculating rather than investing,' says David Rosenstrock, CFP, director of financial planning and investments at Wharton Wealth Planning LLC. Rosenstrock also says it's important to make sure your expectations surrounding crypto are well-informed. How might crypto contribute to your financial well-being? After all, saving for something like retirement often requires a long-term financial strategy, not the get-rich-quick potential that comes with the volatility of crypto. Knowing these risks is just the beginning. Compare advisors: Bankrate's list of the best financial advisors 2. Assess your risk tolerance Your risk tolerance is how much risk you're willing to take on when it comes to what types of assets to invest in. Everyone is different, and your risk tolerance will likely decrease as you near retirement, because you don't want to be investing in risky assets that could dismantle your nest egg before cashing out. If you're younger, on the other hand, you have more time to compensate for potential losses. This allows you to consider investments that could earn a bigger profit, but also carry more risk, including crypto. 'From a risk perspective, the volatility and regulatory uncertainty of crypto puts it firmly in the speculative camp,' says Patrick Huey, CFP, owner and principal advisor of Victory Independent Planning. '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.' Take the time to consider how much risk you're willing to take on given your long-term financial goals, and whether crypto will help you meet that goal before adding it to your retirement strategy. 3. Allocate wisely How much crypto is too much for your retirement portfolio is going to be different for everyone, and it comes back to your risk tolerance. Some financial pros recommend 10 percent or less, some say 5 percent, some say none. 'Allocate no more than 10 percent — if that — in speculative assets, and always weigh new opportunities against your hard-earned peace of mind,' says Huey. 'Markets favor the prepared and the patient, not the gambler chasing the next gold rush.' Michael Casey, CFP, founder and president of AE Advisors, gives similar advice to his clients. 'I am an early Bitcoin adopter and one of the early CFPs to recommend allocating to this new asset class since 2019,' Casey says. 'Most of my clients have an allocation of 5-10 percent Bitcoin in their portfolios.' Everyone's financial goals, timeline and risk tolerance are going to differ. Once you've determined an allocation, you can think about practical next steps. Get matched: Find a financial advisor who can help you maximize your investments 4. Decide how to add crypto to your retirement portfolio Most employer retirement plans don't offer crypto investment options. Depending on how you want to hold crypto, you may need to open a self-directed IRA. Here's a rundown of each option. Individual retirement account (IRA): In a regular IRA, you can buy spot ETFs in Bitcoin and Ethereum, but you can't hold crypto directly. Self-directed IRA: SDIRAs let you own crypto directly alongside other alternative assets, such as real estate or precious metals. These accounts have the same contribution limits as regular IRAs. You can also open a crypto-specific SDIRA — sometimes called a Bitcoin IRA — with a custodian that specializes in crypto. You can buy crypto with a regular SDIRA though. It just depends on what investments your custodian offers. Of course, there are other ways that you can invest in crypto, such as a brokerage or crypto exchange account, but you won't get the tax advantages of a retirement account. Looking for an advisor: Find a financial advisor near you or online Bottom line Crypto may help you reach your retirement goals, but it's best to approach crypto investing with caution and don't bet the farm, so to speak. That is, think of crypto as a tool to reach a long-term financial goal, rather than a speculative or get-rich-quick play. Editorial Disclaimer: All investors are advised to conduct their own independent research into investment strategies before making an investment decision. In addition, investors are advised that past investment product performance is no guarantee of future price appreciation.
Gizmodo
14-07-2025
- Business
- Gizmodo
Bitcoin Hits New Highs Daily, but Experts Warn It's a ‘Crisis Mode' Rally
Bitcoin's historic rally continues with no signs of slowing down. The world's most famous cryptocurrency hit an all-time high overnight from Sunday to Monday, briefly surpassing the symbolic threshold of $123,000 before pulling back slightly. By 6:00 a.m. ET, it was hovering around $122,013, according to data from CoinGecko. This staggering surge marks a more than 30% increase in Bitcoin's price since January, outpacing even gold and fueling the narrative that Bitcoin is the new 'digital gold.' Analysts attribute much of the momentum to growing institutional interest, driven in large part by Bitcoin ETFs, new investment products that allow everyday investors and financial institutions to buy shares that track the price of Bitcoin, without having to own the cryptocurrency directly. Charts circulating on social media show that spot Bitcoin ETF inflows have reached all-time highs, reflecting sustained demand from large investors. Coinbase has forecast a massive second wave of capital entering the market once U.S. financial advisors are legally allowed to recommend Bitcoin ETFs to their clients. This opens the door to billions in retirement savings, pension funds, and other traditional investment flows being funneled into Bitcoin. Bitcoin Etf'lerinin kümülatif girişleri,tüm zamanların en yüksek seviyesinde nakitte bekleyen var mı ? #bitcoin — Murat ALICI (@alicimuratt) July 14, 2025The timing of Bitcoin's climb isn't coincidental. It comes as Crypto Week begins in Washington, D.C. It's a high-stakes political moment for the crypto industry. Lawmakers are considering several bills that could reshape how digital assets are regulated in the United States. These include: Bitcoin's rise has put it ahead of nearly every other major asset in 2025. 'Gold (+28%) and Bitcoin (+26%) are now the top-performing major assets so far in 2025,' noted Charlie Bilello, chief market strategist at Creative Planning. 'We've never seen these two in the #1/#2 spots for any calendar year.' Gold (+28%) and Bitcoin (+26%) are now the top performing major assets so far in 2025. We've never seen these two in the #1/#2 spots for any calendar year. $GLD $BTC Video: — Charlie Bilello (@charliebilello) July 13, 2025 That dynamic has strengthened Bitcoin's brand as 'digital gold' and added to its appeal during a year marked by inflation concerns, currency fluctuations, and geopolitical uncertainty. Still, some market watchers are sounding alarms about the pace and nature of the rally. The team behind The Kobeissi Letter, a widely followed financial newsletter, points to a troubling paradox: Bitcoin is soaring while interest rates remain high, a combination that defies traditional economic models. They fear Bitcoin has entered a dangerous new phase. 'This is not a 'normal,'' they wrote. 'We have reached a point where Bitcoin is moving in a literal STRAIGHT-LINE higher. Rates are rising, the USD is down -11% in 6 months, and crypto is up +$1 TRILLION in 3 months. What's happening? Bitcoin has entered 'crisis mode.'' This is not a "normal." We have reached a point where Bitcoin is moving in a literal STRAIGHT-LINE higher. Rates are rising, the USD is down -11% in 6 months, and crypto is up +$1 TRILLION in 3 months. What's happening? Bitcoin has entered "crisis mode." (a thread) — The Kobeissi Letter (@KobeissiLetter) July 14, 2025They connect this crisis mode directly to massive government spending, pointing out the rally's acceleration after the passage of President Trump's recent spending package. 'Bitcoin has reached a point where it is quite literally making new all time highs multiple times a day. Since the U.S. House passed President Trump's 'Big Beautiful Bill' on July 3rd, Bitcoin is up +$15,000.' Their conclusion is a stark warning for anyone watching the markets. 'If the surge in gold prices didn't alert you, Bitcoin should.' Bitcoin has reached a point where it is quite literally making new all time highs multiple times a day. Since the US House passed President Trump's "Big Beautiful Bill" on July 3rd, Bitcoin is up +$15,000. If the surge in gold prices didn't alert you, Bitcoin should. — The Kobeissi Letter (@KobeissiLetter) July 14, 2025
Yahoo
30-06-2025
- Business
- Yahoo
Gold ETF Gains Outpace Bitcoin Funds in 2025
Gold exchange-traded funds are outperforming Bitcoin ETFs in 2025, with the SPDR Gold Shares (GLD) posting a 24.4% year-to-date return compared to 14.5% for the iShares Bitcoin Trust ETF (IBIT), according to FactSet data. The performance gap highlights a shift in investor preferences as precious metals regain favor over cryptocurrency investments. According to the FactSet data, GLD has attracted $8.3 billion in net flows year to date, while BlackRock's IBIT pulled in $14.9 billion despite lower returns. The divergence comes as Bloomberg Intelligence suggests gold could continue outpacing Bitcoin, with analysts pointing to potential market reversions and risk-asset appreciation cycles that may favor traditional safe-haven assets over volatile cryptocurrencies. According to Bloomberg's research, gold's year-to-date gain of about 25% through April versus Bitcoin's roughly 10% decline could signal a trend reversal, with the U.S. stock market potentially reaching a valuation apex that favors precious metals over speculative digital assets. GLD's monthly performance shows the gold ETF declined 1.4% over the past month, along with quarterly gains of just over 6%, according to the FactSet data. The fund has assets under management of $101.9 billion and carries a 0.4% expense ratio. IBIT posted a 1.2% gain over the past month and a 27.7% gain over three months, according to FactSet. The fund has $74.7 billion in assets and charges a 0.25% expense ratio. The precious metals sector extends beyond gold, with the iShares Silver Trust (SLV) posting a 23.9% year-to-date return that nearly matches gold's performance. According to FactSet data, BlackRock's silver ETF gained 7.7% over the past month and 5.2% over three months. SLV attracted $644.3 million in year-to-date flows and $636.5 million over the past month, according to FactSet. The fund has $17.5 billion in assets under management and a 0.5% expense ratio. Bloomberg Intelligence analysis suggests a shift away from risk assets and concerns about government spending could boost precious metals further. The research indicates cryptocurrencies may face pressure as markets reverse from recent peaks, with their high volatility working against them. Monthly flow data show gold funds continue attracting capital despite recent price volatility, with GLD pulling in $2.7 billion over the past month. IBIT maintained strong inflows of $3.2 billion during the same period, according to FactSet | © Copyright 2025 All rights reserved Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
17-06-2025
- Business
- Yahoo
Ledn co-founder says crypto regulatory tailwind from the U.S. is fueling Bitcoin lending boom
Ledn co-founder says crypto regulatory tailwind from the U.S. is fueling Bitcoin lending boom originally appeared on TheStreet. In an interview with TheStreet Roundtable, Mauricio Di Bartolomeo, co-founder of Ledn, highlighted how clear signals from US authorities have ignited what he called a 'Cambrian explosion' in Bitcoin-backed lending. He noted that major regulators have moved from resistance to support — turning prior choke points into open doors for the industry. Di Bartolomeo pointed to the US Securities and Exchange Commission's recent embrace of Bitcoin ETFs and the appointment of a crypto czar as pivotal. 'The SEC has now turned into a tailwind to the space,' he said — adding that these developments send a strong message to global investors that the United States is 'open for business.' He underscored that the largest market's political will to support digital-asset firms reduces counterparty risk for borrowers and lenders alike. Regulatory clarity fuels growth Di Bartolomeo credited influential investors for raising Bitcoin's profile. He cited figures such as Larry Fink, Paul Tudor Jones and Tim Cook, who publicly back Bitcoin and have a long term view on the asset. Di Bartolomeo also noted that MicroStrategy's high-profile corporate bond issuances have popularized the idea of borrowing cash to buy more Bitcoin — a mindset that's driving demand for truly Bitcoin-backed loans. 'if you need cash-- borrow cash against the bitcoin instead,' he explained. Clients' experiences have reinforced this message. 'Every single person that has used their loans responsibly since 2018 has done well financially. This is why our clients keep coming back,' Di Bartolomeo said. Word-of-mouth referrals, he added, have become a powerful acquisition channel — loyal customers recommending Ledn to friends and family. With interest rates on Bitcoin loans trending lower, Di Bartolomeo anticipates even broader adoption. With interest rates falling and Bitcoin's market value climbing, clients can pledge the same collateral to borrow larger amounts — unlocking more cash without ever selling. He believes this dynamic, combined with regulatory support, will sustain Ledn's growth trajectory for years to come. Ledn co-founder says crypto regulatory tailwind from the U.S. is fueling Bitcoin lending boom first appeared on TheStreet on Jun 16, 2025 This story was originally reported by TheStreet on Jun 16, 2025, where it first appeared.
Globe and Mail
09-06-2025
- Business
- Globe and Mail
Coinbase's Transaction Fees Improve: Will it Accelerate Growth?
Coinbase Global Inc. COIN generates the bulk of its revenues from transaction fees, its biggest but most volatile income source. Transaction revenues, which contribute over 50% of COIN's top line, are closely tied to trading volumes and are primarily earned from spot trades executed by both retail and institutional customers on its platform. International revenues comprised mainly transaction revenues. Transaction revenues increased 18.2% year over year to $1.3 billion in the first quarter of 2025, driven by a 26% increase in trading volume, which reflected both broader market momentum and Coinbase's rising market share in the United States. For the second quarter of 2025, COIN expects institutional transaction revenues to be impacted by $30 million to $40 million on a quarter-over-quarter basis. The surge in crypto trading activity, spurred by increasing adoption of Bitcoin ETFs and tokenized assets, continues to drive COIN's transaction-based income. To support long-term growth and improve crypto utility, Coinbase is investing in foundational infrastructure like Base, its Layer 2 Ethereum scaling solution. In 2024, Coinbase partnered with Stripe to integrate USDC on Base, advancing global crypto adoption. Additionally, the platform has broadened its asset offerings by launching tokenized equities such as cbXRP and cbDOGE on Base. Transaction revenues offer strong operating leverage, with profitability improving as volumes rise faster than costs as well as scale globally. While inherently sensitive to market conditions, this revenue stream continues to be a key growth engine. At the same time, Coinbase is steadily expanding its subscriptions and services segment to diversify income and enhance business resilience. What About COIN's Competitors? COIN competes with Robinhood Markets HOOD and Interactive Brokers Group, Inc. IBKR, two crypto-oriented companies. Transaction revenues, a key contributor to Robinhood Markets' growth, are driven by active retail trading in cryptocurrencies, options, and equities. Making up over 60% of its total revenues, these earnings reflect Robinhood's strong sensitivity to market fluctuations and the behavior of retail investors. Interactive Brokers Group's commission-based transaction revenues are a key driver of growth, reflecting its success in capitalizing on rising client trading activity. This high-margin revenue stream demonstrates strong operating leverage, as increased trading volumes translate into outsized revenue gains and improved profit margins. COIN's Price Performance Shares of COIN have gained 1.2% year to date, outperforming the industry. COIN's Expensive Valuation COIN trades at a price-to-earnings value ratio of 45.5, above the industry average of 18.72. But it carries a Value Score of F. Estimates Movement for COIN The Zacks Consensus Estimate for COIN's second-quarter and third-quarter 2025 EPS has moved down 47.1% and 37%, respectively, over the past 30 days. The same for full-year 2025 and 2026 has increased 52.3% and 16.7%, respectively. The consensus estimates for COIN's 2025 and 2026 revenues indicate year-over-year increases. While the consensus estimate for COIN's 2025 EPS indicates a decline, the same for 2026 EPS suggests an increase. COIN stock currently carries a Zacks Rank #3 (Hold). You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here. Zacks Names #1 Semiconductor Stock It's only 1/9,000th the size of NVIDIA which skyrocketed more than +800% since we recommended it. NVIDIA is still strong, but our new top chip stock has much more room to boom. With strong earnings growth and an expanding customer base, it's positioned to feed the rampant demand for Artificial Intelligence, Machine Learning, and Internet of Things. Global semiconductor manufacturing is projected to explode from $452 billion in 2021 to $803 billion by 2028. See This Stock Now for Free >> Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Interactive Brokers Group, Inc. (IBKR): Free Stock Analysis Report Coinbase Global, Inc. (COIN): Free Stock Analysis Report Robinhood Markets, Inc. (HOOD): Free Stock Analysis Report
