How Much of Your Portfolio Should Actually Be in Crypto?

Crypto bulls and cautious savers rarely agree, but financial experts like Clark Howard and the Ramsey hosts have carved out surprisingly similar rules for when and how much to invest. The answer depends less on market timing and more on…

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Deciding how much of your investment portfolio should be in cryptocurrency isn’t just about predicting price movements—it’s more about how much financial risk you can tolerate. For instance, Bitcoin (CRYPTO: BTC) has recently surged about 44% in the last 90 days, but it’s still down roughly 25% compared to a year ago.

This means that someone who bought Bitcoin this summer feels quite pleased, while someone who purchased it back in September 2025 is likely feeling the pinch, despite owning the same asset.

This volatility illustrates why experts like Clark Howard and the hosts of The Ramsey Show don’t give a fixed percentage for crypto investments. Instead, they recommend strategies to help you decide whether cryptocurrency fits into your financial plan and how much to invest.

Clark Howard and Ramsey Hosts Set Rules, Not a Fixed Percentage