Morgan Stanley Suggests Up to 4% Crypto Allocation for Opportunistic Investors
October 7, 2025
Morgan Stanley’s Global Investment Committee (GIC) is recommending that investors consider a portfolio allocation of up to 4% in cryptocurrency, according to an Oct. 1 note.
The highest suggested allocation is aimed at investors seeking “opportunistic growth,” while those targeting balanced growth or broader market growth are advised to allocate 2% and 3%, respectively. Investors focused on income generation or capital preservation are advised to keep cryptocurrency exposure at zero.
The GIC described crypto as “a speculative and increasingly popular asset class that many investors, but not all, will seek to explore.” Bitcoin (BTC), specifically, is highlighted as “digital gold” and the main focus of the committee’s recommendations.
By comparison, leading ETF providers suggest different exposure levels: BlackRock and Fidelity recommend around 2%, while Grayscale and VanEck have suggested 5% and 6%.
The guidance from institutions like Morgan Stanley and BlackRock underscores cryptocurrency’s growing legitimacy, signaling a significant shift from the era when some banking executives dismissed digital assets as a “fraud.”
