Bitcoin ETF Spot Bitcoin ETFs vs. Direct Ownership: The 2026 Trade-Off IBIT charges 0.12% and lives in your brokerage. Self-custody means a hardware wallet and being your own bank. Both have failure modes worth thinking through.
cryptocurrency Crypto Allocation: 1% or 5% of a Real Portfolio, Not 50% Bitcoin might go to $500,000 or $0 — the honest answer is nobody knows. At 1-5% of portfolio, either outcome is survivable. At 30%, the bad case is career-ending.
