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Yahoo
a day ago
- Business
- Yahoo
How Much Bitcoin To Own in 2026 — Financial Planners Weigh In
To invest or not to invest? For more than 15 years, that's been the question to ask about bitcoin. Is it stable? Has the cryptocurrency hit its ceiling, or is there more room for growth? Consider This: Check Out: We asked financial experts how much bitcoin, if any, you should hold in 2026 and the role it might play in a diversified portfolio. Portfolio Ranges Most investors we spoke with agreed that investing in bitcoin is not for the risk averse. 'If an investor is comfortable with the volatility and risk of loss, 3% to 5% of exposure is a common starting point,' said Breanna Seech, senior wealth advisor at Mariner Wealth Advisors. 'Adding 3% to 5% of investable assets ensures you participate in the upside, but doesn't put someone at risk of irreparable loss if there is significant decline.' However, Wheeler Pulliam, CFP and financial consultant at Xponify Financial in Hickory Creek, TX, warned against looking at percentages without considering other factors. 'It can really be all over the board,' he said. 'Five percent of a 65-year-old's $2 million retirement portfolio is far greater than 80% of a 25-year-old's $5,000 E-trade account. So be careful with percentages.' Read Next: How To Determine Your Risk Tolerance for Bitcoin The real question when it comes to investing in bitcoin, or any asset with potentially high growth, is your risk tolerance. 'I would advise extreme caution if you're looking to bitcoin to round out your retirement savings. Why risk it if you don't have to?' Pulliam said. 'However, if you have money that you don't mind losing, then invest whatever amount makes you feel comfortable.' 'Time horizons are important,' Lisa Wang, head of goals-based investment solutions at Franklin Templeton, noted. 'If someone is younger, and therefore, has many years ahead of investing, then allocating to relatively riskier assets might be appropriate.' She added that it's important to take other factors into consideration when determining risk tolerance, including long-term financial goals like saving for retirement, education or generating income sources. 'Having enough assets on hand to cover such an emergency is important to plan for,' she said. 'All of this requires careful planning and consideration.' Seech pointed out that people often determine their risk tolerance not based on their age, savings or financial goals, but on past experiences. 'Some people either sold or witnessed relatives or friends selling at a market low. They tend to associate negative feelings with equity investing because they anchor to the risk of loss,' she said. 'The opposite is true for those who have stayed invested and understand the importance of time in the market. Crypto's Role in a Diversified Portfolio Bitcoin can play a role in a diversified portfolio if you're willing to view it as an alternative asset. 'With high volatility comes high opportunity,' Pulliam said, warning investors to consider bitcoin and other alternative investments only after their retirement portfolio is secure and they can afford to 'play.' Wang noted that bitcoin can serve as a useful portfolio diversifier since it has a 'relatively low correlation to traditional equities and bonds.'Seech added, 'In my opinion, it's the type of asset that could double or go to zero, but it's tough to ignore at this stage in the game. I don't think it's too late to invest. Be thoughtful about the downside risk, how much you're willing to lose and tax efficiency on future gains or losses.' More From GOBankingRates 5 Old Navy Items Retirees Need To Buy Ahead of Fall 5 Types of Cars Retirees Should Stay Away From Buying This article originally appeared on How Much Bitcoin To Own in 2026 — Financial Planners Weigh In
CNBC
2 days ago
- Business
- CNBC
Trump's ‘big beautiful bill' makes Roth conversions more complicated — here's what to know
If you're eyeing a Roth conversion, President Donald Trump's "big beautiful bill" could make the strategy more complicated, according to financial experts. Roth conversions transfer pretax or nondeductible individual retirement account funds to a Roth IRA, which starts future tax-free growth. The trade-off is paying regular income taxes on the converted balance. Trump's new tax cuts could make Roth conversions more appealing for some investors, experts say. But incurring too much income could impact eligibility for certain tax breaks. More from Personal Finance:What to do with RMDs when you don't need the moneySocial Security COLA may be 2.7% in 2026: estimatesOlder student loan borrowers face high delinquency rates When weighing Roth conversions, you need to know the multi-year state and federal tax impact, said Judy Brown, a certified financial planner who works at SC&H Group in the Washington, D.C., and Baltimore area. For example, if you're nearing Medicare age or already enrolled, boosting your earnings could increase income-related monthly adjustment amounts, or IRMAA, for Medicare Part B and Part D premiums. The strategy is "looking at a lot of different pieces, and figuring out the optimal place for each client," said Brown, who is also a certified public accountant. Roth conversions have always been about "tax bracket management," said CFP Patrick Huey, owner of Victory Independent Planning in Portland, Oregon. When making Roth conversions, advisors typically incur enough regular income to "fill up the lowest brackets," he said. Your federal brackets are based on each part of your "taxable income," which you calculate by subtracting the greater of the standard or itemized deductions from your adjusted gross income. Before Trump enacted the One Big Beautiful Bill Act, lower federal income tax brackets were scheduled to sunset after 2025, which would have made converted balances more expensive. Trump's legislation made the lower tax rates permanent, but several new tax breaks — deductions for older Americans, tipped workers and consumers with overtime pay and car loan interest — are temporary with varying earnings limits. These tax breaks, which are available from 2025 through 2028, could offer more room for Roth conversions before hitting the next tax bracket, experts say. Once these cuts expire, you could be "paying more for the exact same Roth conversion," said CFP Ashton Lawrence at Mariner Wealth Advisors in Greenville, South Carolina. While Trump's new tax cuts could make more space in the lower tax brackets, higher income from Roth conversions can impact eligibility, experts say. For example, the additional $6,000 deduction for older Americans starts to phase out, or get smaller, once modified adjusted gross income exceeds $75,000 for single filers or $150,000 for married couples filing jointly. It probably still makes sense to convert funds at 22% or 24% tax rates now — and skip the $6,000 deduction — to avoid the 30% brackets for large pre-tax required withdrawals later, Brown said. Most retirees must take required minimum distributions, or RMDs, from pretax retirement accounts starting at age 73 or face an IRS penalty.
Yahoo
16-07-2025
- Business
- Yahoo
Why investor sentiment is so bullish despite uncertainty
Markets (^GSPC, ^IXIC, ^DJI) have rallied despite tariff uncertainty and recession fears. Jeff Krumpelman, chief investment strategist and head of equities at Mariner Wealth Advisors, joins Morning Brief to explain why investor confidence has held steady and why he thinks the fundamentals still look solid. To watch more expert insights and analysis on the latest market action, check out more Morning Brief here. Where is all of this positive sentiment coming from, right? Given that there are things that in normal circumstances might give investors pause including uncertainty on the tariffs and sort of the economic environment more broadly. What do you think's going on? So well it began certainly after the tariff, you know, timeout, which made a lot of sense because it looked like the tariff rates were going to be just, you know, very difficult, very high rates, could could really slow things down from an economic standpoint. Maybe lead to inflation and after the time out, um a lot of that um kind of pressure has been relieved. And success breeds, you know, confidence. So the market rallied on that, feeling like, hey, the economy continue to grow, it won't be as inflationary and maybe we'll figure this out. And uh, so the market has just surged since then and that's made people feel far more comfortable about where things are. We've maintained confidence quite frankly. So many of our peers, they reduced price targets, they dramatically increased odds of recession and we just thought that was premature, the data looked pretty good throughout. So this was a confidence psychology PE cycle. The data and earnings pretty much, you know, remained intact. Multiples just went all over the map because of this confidence that you're talking about. 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
18-06-2025
- Business
- Yahoo
Investors should 'take clues' from fundamentals, not headlines
Investors are watching the escalating conflict between Israel and Iran, possible trade negotiations, and the upcoming Federal Reserve meeting. Jeff Krumpelman, Mariner Wealth Advisors chief investment strategist and head of equities, explains why investors should look past various mounting policy risks and focus on earnings, valuations, and market technicals. To watch more expert insights and analysis on the latest market action, check out more Morning Brief here. 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
18-06-2025
- Business
- Yahoo
Investors should 'take clues' from fundamentals, not headlines
Investors are watching the escalating conflict between Israel and Iran, possible trade negotiations, and the upcoming Federal Reserve meeting. Jeff Krumpelman, Mariner Wealth Advisors chief investment strategist and head of equities, explains why investors should look past various mounting policy risks and focus on earnings, valuations, and market technicals. To watch more expert insights and analysis on the latest market action, check out more Morning Brief here. Sign in to access your portfolio
