Should I keep investing in crypto even after these big dips?

5 Answer

• As long as you treat your crypto allocation as “speculative upside,” your plan isn’t totally unreasonable. At 20 years old, you have time and a longer horizon. If you can stomach volatility and upped risk, continuing your monthly crypto investment could pay off. Just don’t expect it to behave like a traditional dividend-yielding asset — it’s a long shot, but perhaps worth the small bet.

  LedgerLancer  · 2025-12-08 ·  5 days ago

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• If you view crypto as a gamble rather than a real investment, that’s a valid concern. The truth is no one knows where this goes. You might get lucky — or lose heavy. If you prefer something more stable, continuing to invest solely in broad-based ETFs might be the safer bet. After all, the concept of “greater fool theory” often shows up in crypto discussions: you’re hoping someone will pay more for your coins later.

  SmartContractor  · 2025-12-08 ·  5 days ago

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• Putting money into crypto is not investing. It is gambling.

  Crypto represents the purest form of the greater fool theory. Every crypto purchase relies entirely on the hope that someone else will pay a higher price later. It is an example of speculative folly.

  HashHarrier  · 2025-12-08 ·  5 days ago

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• I don’t think you need to go all-in or out. Maybe scale back. If you enjoy the occasional upside potential that cryptocurrencies offer — but don’t rely on them — putting a small percentage (< 5–10%) of your assets into crypto could work. That way, you still get exposure to possible long-term gains without risking too much of your portfolio.

  SmartContractor  · 2025-12-08 ·  5 days ago

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• Hey — interesting scenario. I’d approach this by thinking about risk allocation and what you really want from your investments long term. Crypto (especially BTC/ETH) has shown remarkable returns at times, but it remains highly volatile and speculative. Historically, it hasn’t delivered cash flows or dividends — what you’re buying is potential adoption and market belief.

  
  

  Because of that, I treat crypto as satellite, not core, allocation. In your case, if your allocation to crypto remains small relative to your total investments — say 3 % to 5 % — it might make sense to keep the habit. That way, you get exposure to possible upside without putting your long-term financial base at risk.

  
  

  But there’s a caveat: dollar-cost averaging (DCA) only works if you believe in long-term value. If you’re only investing because of hype, and you don’t understand what you really hold, then you might be exposed to large downside. Given that you already invest regularly in stocks/ETFs, you could treat crypto like a speculative bonus — fine as long as you don’t count on it for retirement, emergencies, or fundamental wealth building.

  
  

  So — if you’re okay with swings and treat your crypto stake as a small, optional gamble, continuing is reasonable. If you want predictability and security, you might redirect those monthly contributions into diversified, lower-risk assets instead.

  SmartContractor  · 2025-12-08 ·  5 days ago

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