According to a special report from Morgan Stanley’s Global Investment Committee (GIC), cryptocurrency has evolved from a speculative novelty into a legitimate—though still volatile—component of diversified investment portfolios. The report recommends that financial advisors and investors allocate between 2% and 4% of their multi-asset portfolios to cryptocurrency, depending on individual risk tolerance and investment goals.

Rather than holding cryptocurrencies directly, the GIC advises gaining exposure through regulated vehicles such as exchange-traded products. For investors with a moderate risk profile or those seeking balanced growth, a 2% allocation is suggested. Those targeting market growth may consider up to 3%, while the maximum 4% allocation is reserved for investors pursuing higher risk and return strategies. Conversely, for clients focused on capital preservation or income generation, the GIC recommends zero allocation.

Morgan Stanley marked a watershed moment in 2021 by becoming the first major U.S. bank to grant its wealthy clients access to crypto funds via strategic partnerships, shattering the old Wall Street orthodoxy. This initial, cautious move has since accelerated into a full-fledged institutional embrace of digital assets.

Amid the pro-crypto policy wave of the current Trump administration, Morgan Stanley has notably doubled down on its strategy. It has forged partnerships including with Zerohash to enable spot crypto trading for its millions of E*Trade clients. Still, the GIC’s October 1 report cautions that cryptocurrencies remain prone to elevated volatility and may exhibit stronger correlations with other asset classes during periods of macroeconomic or market stress. To mitigate these risks, the committee strongly recommends regular portfolio rebalancing.

“The GIC recommends that financial advisors and clients rebalance multi-asset portfolios with cryptocurrency allocations on a regular, periodic basis—preferably quarterly or at least annually,” the report states. “Such rebalancing helps prevent outsized positions that could amplify portfolio-level volatility and risk during turbulent market conditions.”

Hunter Horsley, CEO of Bitwise, praised the GIC’s guidance, which influences more than 16,000 advisors managing $2 trillion in client assets. In a post on X, Horsley described the recommendations as “huge,” adding that their release signals the arrival of cryptocurrency into the mainstream investment landscape.

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