{"id":49352,"date":"2024-02-29T16:04:43","date_gmt":"2024-02-29T08:04:43","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=49352"},"modified":"2024-03-04T17:15:02","modified_gmt":"2024-03-04T09:15:02","slug":"how-much-invest-cryptocurrency","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/how-much-invest-cryptocurrency","title":{"rendered":"How Much Should You Invest In Crypto?"},"content":{"rendered":"<p>Just a few years ago, cryptocurrency seemed like a fringe investment. But with more investors (including institutions like <a href=\"https:\/\/www.forbes.com\/sites\/lawrencewintermeyer\/2021\/08\/12\/institutional-money-is-pouring-into-the-crypto-market-and-its-only-going-to-grow\/?sh=1c4696831459\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">BlackRock<\/a> and <a href=\"https:\/\/www.thecrimson.com\/article\/2021\/1\/27\/hmc-buying-bitcoin\/\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">Harvard<\/a>) joining the fray, it begs the question: should you be paying more attention to cryptocurrency as an investment, and if so, how much should you invest in them? Here\u2019s what you need to know.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is-cryptocurrency-an-investment\"><\/span>Is cryptocurrency an investment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>First off, let\u2019s get something out of the way: is cryptocurrency a legitimate form of investment? An investment is simply an asset that you purchase, with the intention to generate income or increase in value over time.<\/p>\n<p>While this sounds applicable to cryptocurrency, experts are divided about whether they make good investments. Here are some common arguments for and against <a href=\"https:\/\/www.imoney.my\/articles\/should-invest-bitcoin\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">cryptocurrency as investments<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What-the-pro-crypto-investment-camp-say\"><\/span><strong>What the pro-crypto investment camp say:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Diversification. <\/strong>To diversify is to spread your money among different investments, so that if one investment loses, your entire portfolio won\u2019t be badly affected. Cryptocurrency can help you diversify your portfolio, as its value has <a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2021-02-16\/bitcoin-s-ebbing-correlations-boost-its-diversification-benefits\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">low correlation<\/a> to the global stock market. In other words, if the global stock market tanks, your cryptocurrency holdings may not be affected.<\/li>\n<li><strong>DeFi could become more popular. <\/strong>Decentralised finance, or DeFi, refers to the shift from centralised finance (i.e. when money is controlled by a central authority, like the government) to a blockchain-based system where control is distributed among many people. Without intermediaries like banks, DeFi transactions could theoretically be quicker, cheaper and more accessible than traditional finance. DeFi applications &#8211; many of which run on the Ethereum blockchain &#8211; have <a href=\"https:\/\/www.forbes.com\/sites\/billybambrough\/2021\/03\/11\/software-hasnt-eaten-wall-street-yet-but-ethereum-and-defi-might-be-about-to\/?sh=41990a06672e\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">surged in popularity<\/a> over the past year, and may see increased adoption.<\/li>\n<li><strong>Alternative to fiat currency. <\/strong>For some investors, the appeal of cryptocurrency is that they\u2019re outside the control of governments and banks. This makes them a \u201c<a href=\"https:\/\/www.forbes.com\/sites\/rogerhuang\/2019\/08\/27\/bitcoin-and-cryptocurrencies-are-a-hedge-for-bad-government\/?sh=7ac57d211290\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">hedge against bad governance<\/a>\u201d &#8211; that is, alternative currency you can turn to in extreme situations of political instability and devaluation of your local currency.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Reasons-from-critics-against-crypto-investments\"><\/span><strong>Reasons from critics against crypto investments:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>It\u2019s really speculative. <\/strong>According to <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/research\/articles\/210308-the-future-of-banking-cryptocurrencies-are-still-mostly-about-speculation-not-payment-11860149\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">S&amp;P Global Ratings<\/a>, cryptocurrencies are still \u201cmostly about speculation\u201d. Their prices are highly volatile, and you could lose a big chunk of your crypto portfolio because of an announcement in regulatory change, or following a tweet from a <a href=\"https:\/\/www.entrepreneur.com\/article\/372848\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">particular billionaire<\/a>.<\/li>\n<li><strong>Market manipulation risk. <\/strong>The ownership of Bitcoin is <a href=\"https:\/\/www.businessinsider.com\/bitcoin-whales-the-key-facts-figures-you-need-to-know-2021-1\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">highly concentrated<\/a>. Around 13% of Bitcoin is held by over 100 individuals, while 40% is held by under 2,500 accounts. This makes it highly susceptible to market manipulation, as single trades by such users can cause drastic price changes.<\/li>\n<li><strong>Security issues. <\/strong>Most cryptocurrencies are based on blockchain technology. While blockchains themselves are <a href=\"https:\/\/www.ibm.com\/topics\/blockchain-security\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">considered secure<\/a>, the cryptocurrency exchange or software you use to store cryptocurrency may not be. Over the past decade, <a href=\"https:\/\/crystalblockchain.com\/security-breaches-and-fraud-involving-crypto\/\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">almost US$8 billion<\/a> have been stolen in security breaches and fraud involving cryptocurrencies.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Potential-for-large-gains-and-losses\"><\/span>Potential for large gains (and losses)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Part of building your <a href=\"https:\/\/www.imoney.my\/articles\/build-investment-portfolio\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">investment portfolio<\/a> (the mix of investments that you own) involves balancing risk and reward. Generally, riskier investments like stocks tend to deliver better returns over the long run. An investor who can tolerate more risk might allocate a bigger proportion of their portfolio to high-risk investments.<\/p>\n<p>So when including cryptocurrency in your portfolio, it\u2019s worth considering the possible risks and returns.<\/p>\n<h4>It\u2019s hard to deny that Bitcoin has been the best-performing asset over the last decade.<\/h4>\n<p>If you had <a href=\"https:\/\/www.cnbc.com\/2021\/07\/26\/how-much-money-youd-have-if-you-invested-1000-dollars-in-bitcoin-in-2011.html\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">invested US$1,000 in Bitcoin<\/a> in July 2011, it would be worth US$2,785,738 in 2021. In comparison, a US$1,000 investment in the S&amp;P 500, an index that tracks the 500 largest public-listed companies in the US, would have grown to US$4,060.<\/p>\n<p>But cryptocurrencies have a short record of performance compared to conventional investments like stocks. Bitcoin, the world\u2019s first decentralised cryptocurrency, was only created in 2009. We don\u2019t know yet if its explosive growth will continue over the long run.<\/p>\n<p>There\u2019s also a risk of losing a lot of your money, as cryptocurrencies are extremely volatile. In May 2021, Bitcoin <a href=\"https:\/\/www.gobankingrates.com\/investing\/crypto\/7-biggest-bitcoin-crashes-history\/\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">lost half its value<\/a> in a week. And even that pales against the crash of 2017, when Bitcoin lost 84% of its value. Today, it has bounced back to see the <a href=\"https:\/\/www.theedgesingapore.com\/news\/cryptocurrency\/bitcoin-surges-us60000-enthusiasts-eyeing-record-highs\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">biggest increase in value since 2020.<\/a>\u00a0 In other words, there\u2019s a chance of huge returns when you invest in cryptocurrency, but you should also be prepared to lose your money.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-much-you-should-invest-according-to-experts\"><\/span>How much you should invest, according to experts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div id=\"attachment_49358\" style=\"width: 260px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-49358\" class=\"wp-image-49358\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095312\/Aaron-Tang-Luno-Malaysia-Country-Manager.jpg\" alt=\"Aaron Tang, Luno Malaysia Country Manager\" width=\"250\" height=\"250\" data-wp-editing=\"1\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095312\/Aaron-Tang-Luno-Malaysia-Country-Manager.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095312\/Aaron-Tang-Luno-Malaysia-Country-Manager-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095312\/Aaron-Tang-Luno-Malaysia-Country-Manager-200x200.jpg 200w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><p id=\"caption-attachment-49358\" class=\"wp-caption-text\">Aaron Tang, Luno Malaysia Country Manager<\/p><\/div>\n<p>Aaron Tang, Regional Manager APAC for <a href=\"https:\/\/www.luno.com\/en\/my\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">Luno Malaysia<\/a>, shared that cryptocurrencies have many features that make them viable investments. \u201cCryptocurrencies are considered a good store of value and a hedge against inflation in a global economic environment of increased monetary stimulus and low interest rates,\u201d he said.<\/p>\n<h4><em>&#8220;Invest what you can afford to lose&#8221;<\/em><\/h4>\n<p>According to Tang, Bitcoin has been compared to digital gold, and it has all the characteristics that make gold appealing to investors &#8211; and more. \u201cIt has a limited supply in which only a specific amount of Bitcoin exists and will ever be produced, 21 million. It can be made into smaller units without losing unit value. Its technology makes it very stable, it won\u2019t degrade, and it\u2019s impossible to counterfeit.\u201d<\/p>\n<p>\u201cWe recommend beginners to <strong>start investing with only an amount you can afford to lose<\/strong>,\u201d he said. \u201cThe prime purpose of any investment, be it traditional or digital, is to add more value to your existing wealth. This way, even if you suffer some losses, it won\u2019t completely strip you of your wealth.\u201d<\/p>\n<div id=\"attachment_49357\" style=\"width: 260px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-49357\" class=\"wp-image-49357\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095306\/Yap-Ming-Hui.jpg\" alt=\"Aaron Tang, Luno Malaysia Country Manager\" width=\"250\" height=\"250\" data-wp-editing=\"1\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095306\/Yap-Ming-Hui.jpg 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095306\/Yap-Ming-Hui-150x150.jpg 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095306\/Yap-Ming-Hui-200x200.jpg 200w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><p id=\"caption-attachment-49357\" class=\"wp-caption-text\">Yap Ming Hui, Managing Director of Whitman Independent Advisors<\/p><\/div>\n<p>However, Yap Ming Hui, Managing Director of <a href=\"https:\/\/whitman.com.my\/\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">Whitman Independent Advisors<\/a>, doesn\u2019t consider cryptocurrencies to be investments. \u201cI only recommend investments that have solid underlying assets &#8211; for example, shares, bonds, property, or precious metal,\u201d he said.<\/p>\n<h4><em>&#8220;Crypto should make up than 2% of total investable assets&#8221;<\/em><\/h4>\n<p>\u201cI think that a client\u2019s long-term portfolio for serious financial goals should not include crypto,\u201d he added. But if someone were to invest in cryptocurrency, Yap said.<\/p>\n<p>&nbsp;<\/p>\n<div id=\"attachment_49367\" style=\"width: 260px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-49367\" class=\"wp-image-49367\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095824\/Marshall-Wong-v2.png\" alt=\"Marshall Wong, financial planner\" width=\"250\" height=\"250\" srcset=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095824\/Marshall-Wong-v2.png 346w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095824\/Marshall-Wong-v2-150x150.png 150w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095824\/Marshall-Wong-v2-300x300.png 300w, https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2021\/08\/30095824\/Marshall-Wong-v2-200x200.png 200w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><p id=\"caption-attachment-49367\" class=\"wp-caption-text\">Marshall Wong, licensed financial planner<\/p><\/div>\n<p>On the other hand, Marshall Wong, a licensed financial planner and founder of <a href=\"https:\/\/plannerd.io\/\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">PlanNERD<\/a>, said that cryptocurrency is definitely an investment. \u201cNo matter it&#8217;s form, as long as there is a demand in the future, it is an investment,\u201d he said. \u201cIf collectibles, sneakers and Pok\u00e9mon cards carry value and are treated as investments among enthusiasts, I don&#8217;t see why cryptocurrency is not an investment.\u201d<\/p>\n<p>But he added that not all cryptocurrencies should have a place in an investor\u2019s portfolio, as there is a lot of hype and empty promises driving the prices of many cryptocurrencies.<\/p>\n<h4><em>&#8220;Double check your backup plan and exit strategy&#8221;<\/em><\/h4>\n<p>When deciding how much to invest in cryptocurrency, Wong said that it depends on how much you know about the cryptocurrency that you\u2019ve chosen to invest in. \u201cIf you are someone that doesn&#8217;t know anything about cryptocurrency, stay away,\u201d he said. But if you want to have skin in the game, he added that you should <strong>invest an amount that won&#8217;t make you feel bad if you lose it all<\/strong>.<\/p>\n<p>\u201cLastly, even if you are someone that is very well-versed with cryptocurrency, do talk to a financial planner to double check your backup plan and exit strategy,\u201d he said.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dont-invest-what-you-cant-afford-to-lose\"><\/span>Don\u2019t invest what you can\u2019t afford to lose<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In short, cryptocurrency is a volatile asset. You could generate huge returns, but also risk losing it all. If you\u2019re new to them, invest only what you can\u2019t afford to lose, and limit it to a small portion of your portfolio.<\/p>\n<p>If you\u2019re planning on investing more than that, make sure you\u2019ve done your research first, and that you\u2019re comfortable with the risk you\u2019re taking. Otherwise, consider sticking to <a href=\"https:\/\/www.imoney.my\/articles\/investment-guide-you-have-rm1000-now-where-do-you-invest-it\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">conventional investments<\/a>.<\/p>\n<h6><em>This article was first published in August 2021 and has been updated for freshness, accuracy and comprehensiveness.<\/em><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s what experts and financial planners told us.<\/p>\n","protected":false},"author":1,"featured_media":61992,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[900,1,218],"tags":[630,820,635,660],"class_list":["post-49352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency","category-investment","category-money-management","tag-bitcoin","tag-crypto","tag-cryptocurrency","tag-investment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Should You Invest In Crypto?<\/title>\n<meta name=\"description\" content=\"If you haven&#039;t jumped on the crypto investment bandwagon, read this first. 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