Your crypto strategy should be about how much pain you can handle, not how much money you'll make, Schwab finds
By Helene Braun
Published on April 7, 2026.
Charles Schwab's research on digital assets suggests that the value of investing in cryptocurrencies depends on how much risk an investor is willing to take. The report suggests that bitcoin BTC $ 68,023.12 and ether (ETH) are high-volatility assets that can quickly alter a portfolio's risk profile. It also notes that even small allocations can have an outsized impact on portfolio volatility. Schwab suggests that a low single-digit percentage in crypto can account for a significant share of total portfolio risk. The firm also highlighted that while cryptocurrencies offer diversification and potential for higher returns, they also behave more like a high-risk satellite holding than a core allocation.
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