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35% of Americans Hold Crypto. Here’s Why That Allocation Terrifies Financial Planners

The article reports that Charles Schwab’s Modern Wealth Survey 2025 shows 35% of Americans hold crypto and that crypto now represents 10% of the average investor’s portfolio—exceeding ETF exposure (6%) and bonds (8%). Financial planners warn this raises sequence-of-returns risk for retirees who may be forced to sell volatile holdings during downturns. Bitcoin trades near $76,347 (YTD -11.69%, 1yr -18.7%; 1-month +17.15%) and Ethereum near $2,296.66 (YTD -22.48%). With the 10-year Treasury yielding 4.35% and personal savings rates falling, the piece flags concentrated portfolio volatility and reduced savings capacity as material risks to retirement income and urges cautious allocation and rebalancing.

Category

Bitcoin

Sentiment

Bearish

Event

Market commentary

Reading time

1 min