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The FCA itself keeps repeating crypto remains high risk even in its own press releases about the new rules. If the regulator writing the rulebook won’t call it safe, ordinary savers like you and me shouldn’t treat it as one either.
A small allocation say 1-5% of a portfolio is a reasonable diversifier for people who already have their pension, emergency fund, and ISA sorted. The mistake is people putting in money they can’t afford to lose, not holding crypto at all.
People said this about crypto a decade ago too, and early sensible allocators did very well. Dismissing an entire asset class as not for average people forever isn’t really an investment thesis, it’s just risk aversion dressed up as prudence.
There’s no single right answer for the average saver because risk tolerance, time horizon and existing wealth vary hugely. The honest answer is possible small allocation for some people, wrong choice entirely for others. it depends on the individual, not the asset.
Once the full FCA regime is live from october 2027, buying through an authorised UK platform should be meaningfully safer than the current largely unregulated landscape… that’s a real, if gradual, improvement for retail investors
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With the FCA regime maturing and crypto becoming more mainstream, is it now reasonable for an average UK saver to hold some crypto as part of a normal portfolio, or is it still fundamentally a speculative gamble that most people should avoid?