Fully agree. Except for that last 2-3% of your overall portfolio that you can use to take on a little more risk.
If crypto plummets, your overall return for the year is 1-2% lower. But if it pops and outperforms, it can raise your return by a greater degree than the potential loss. If crypto doubles, as we know it can, you can juice your overall return for the year 5-10%.
That’s a risk/reward calculation everyone needs to make for themselves. For me, the higher upside potential measured against the lower downside maximum loss justifies putting 2-3% into crypto.
The rest is in index funds, and has been for 30+ years. Tax efficient and great returns. What’s not to like?