Morgan Stanley Recommends Up to 4% Crypto Allocation for Growth-Oriented Investors
October 7, 2025
Morgan Stanley’s Global Investment Committee (GIC) has outlined guidance for cryptocurrency allocations, suggesting investors may consider up to 4% of their portfolios in crypto, according to an Oct. 1 note.
The top-end allocation is targeted at investors seeking “opportunistic growth.” Those pursuing balanced or broader market growth strategies are advised to allocate 2% and 3%, respectively. Investors focused on income generation or wealth preservation are recommended to maintain zero exposure to digital assets.
In its note, the GIC described cryptocurrency as “a speculative and increasingly popular asset class that many investors, but not all, will seek to explore.” The commentary primarily centers on bitcoin (BTC), which the committee likened to “digital gold.”
For context, other major financial players offer differing guidance: BlackRock and Fidelity recommend around 2%, while Grayscale and VanEck have suggested 5% and 6%.
The inclusion of cryptocurrency in recommendations by institutions such as Morgan Stanley and BlackRock underscores its rising legitimacy, marking a clear shift from the era when some banking executives dismissed crypto as a “fraud.”
