How Much of Your Portfolio Should Be in Bitcoin? This Billionaire Thinks It Should Be 70%

·

Bitcoin has officially entered the financial mainstream. The catalyst? The long-awaited approval of spot Bitcoin exchange-traded funds (ETFs) in 2024. With these new investment vehicles, buying Bitcoin is now as simple as purchasing shares in any major tech company. This accessibility has sparked a critical question among investors: How much of my portfolio should actually be allocated to Bitcoin?

The answer varies widely depending on who you ask — but one billionaire’s stance stands out as particularly bold.

Ricardo Salinas, one of Mexico’s wealthiest individuals and a prominent business magnate, revealed that 70% of his personal liquid portfolio is now invested in Bitcoin. For many traditional investors, this figure sounds extreme — even reckless. Yet it reflects a growing conviction among some high-net-worth individuals that Bitcoin isn’t just digital speculation; it’s a foundational store of value.

Let’s explore the reasoning behind such an aggressive allocation, examine expert opinions on optimal Bitcoin exposure, and consider how everyday investors can thoughtfully integrate Bitcoin into their own financial strategies.

Rethinking Traditional Asset Allocation

The classic 60/40 investment model — 60% in equities, 40% in bonds — has long been the gold standard for balanced portfolios. But Salinas flips this script entirely. His current allocation:

Notably, he holds no traditional stocks or bonds. This radical shift underscores a deep skepticism toward fiat currencies and centralized financial systems.

👉 Discover how strategic asset shifts like this could redefine long-term wealth preservation.

While most financial advisors recommend conservative crypto exposure, Salinas’ approach highlights a fundamental belief: Bitcoin is not a speculative side bet — it's core infrastructure for the future of money.

Still, allocating 70% of your net worth to any single asset carries immense risk — especially one as volatile as Bitcoin. Historically, Bitcoin has experienced five major drawdowns of 77% or more. For retirees or those nearing retirement, such swings could devastate carefully planned income streams.

Thus, while Salinas’ strategy may work for someone with vast resources and high risk tolerance, it’s not a one-size-fits-all blueprint.

What Do Experts Say About Bitcoin Allocation?

Investor guidance on Bitcoin exposure has evolved significantly over time — and continues to shift upward.

These figures reflect changing perceptions. As institutional adoption grows and regulatory clarity improves, Bitcoin is increasingly viewed not as a fringe asset, but as a legitimate component of diversified portfolios.

Core Keywords Identified:

These keywords naturally align with user search intent around portfolio management, risk assessment, and strategic crypto investing — making them essential for SEO visibility without compromising readability.

Why Is This Billionaire So Bullish on Bitcoin?

Salinas’ confidence in Bitcoin stems from its unique economic properties. He describes it as “the hardest asset in the world” — harder even than gold.

What makes an asset “hard”? Scarcity and resistance to inflation. Unlike fiat currencies, which central banks can print at will, Bitcoin has a fixed supply cap of 21 million coins. Its issuance is governed by transparent, unchangeable code — not political whims.

This makes Bitcoin a powerful hedge against:

In countries with unstable monetary policies, this argument resonates deeply. But even in stable economies, growing national debts and persistent inflation have led many to question the long-term reliability of paper money.

Salinas isn’t just investing — he’s advocating. He regularly speaks at Bitcoin conferences, warning against overreliance on fiat-denominated assets and urging others to consider hard money alternatives.

His journey with Bitcoin began in 2016. By 2020, he disclosed a 10% allocation to Bitcoin. In 2022, that jumped to 60%. Now, it stands at 70% — a deliberate, years-long rebalancing rather than a sudden gamble.

This gradual approach offers a key lesson: building meaningful exposure to Bitcoin should be strategic and patient.

The Power of Dollar-Cost Averaging in Crypto

One of the most practical takeaways from Salinas’ strategy is his endorsement of dollar-cost averaging (DCA).

In a recent Bloomberg interview, he emphasized that consistently buying small amounts of Bitcoin over time — regardless of price — removes emotion from investing and builds wealth steadily.

Here’s how DCA works:

👉 Learn how automated DCA strategies can simplify your path to long-term crypto growth.

For most people, committing millions to Bitcoin overnight isn’t feasible — nor advisable. But setting up recurring purchases allows anyone to participate in Bitcoin’s upside without needing perfect timing.

Over decades, even modest monthly investments can grow into life-changing sums — especially given Bitcoin’s historical compound returns.

Frequently Asked Questions (FAQ)

Q: Is allocating 70% of my portfolio to Bitcoin safe?
A: For most investors, no. Such a high concentration in a single volatile asset carries significant risk. It's suitable only for those with high risk tolerance, long time horizons, and strong conviction in Bitcoin’s future.

Q: How much should a typical investor allocate to Bitcoin?
A: Most experts suggest between 1% and 5%. Conservative investors may start at 1–2%, while those seeking higher growth potential might go up to 5–10%, depending on their overall strategy.

Q: Should I invest in Bitcoin if I'm close to retirement?
A: Extreme caution is advised. Given Bitcoin’s volatility, large allocations could jeopardize retirement stability. Small, diversified exposure may be acceptable — but never at the expense of essential savings.

Q: Is Bitcoin better than gold as a store of value?
A: Both have merits. Gold has centuries of history; Bitcoin offers superior scarcity and portability. Many investors now hold both as complementary hedges against systemic risk.

Q: Can dollar-cost averaging protect me from crashes?
A: While DCA doesn’t eliminate losses during downturns, it reduces the impact of buying at peaks and helps build positions gradually — making it ideal for long-term investors.

Q: When is the best time to start investing in Bitcoin?
A: There’s no perfect timing. Historically, consistent investing over time has yielded better results than trying to time the market. Starting now with a disciplined plan is often the best approach.

👉 Start your journey today with tools designed to help you invest in Bitcoin strategically and securely.

Final Thoughts: Building Your Own Strategy

Ricardo Salinas’ 70% Bitcoin allocation is not a prescription — it’s a perspective rooted in specific beliefs about money, governance, and the future of finance.

For mainstream investors, the takeaway isn’t to mimic his exact numbers, but to understand the principles behind them:

Whether you choose to allocate 1%, 5%, or more to Bitcoin, what matters most is alignment with your risk profile, goals, and understanding of the asset.

As spot ETFs make access easier than ever, now is the time to educate yourself, start small if needed, and build a strategy that stands the test of time — not just the next market cycle.