{ “@context”: “https://schema.org”, “@type”: “BlogPosting”, “headline”: “Bitcoin in a Retirement Portfolio: Digital Gold or Digital Roulette?”, “description”: “A quantitative analysis of adding Bitcoin to a 60/40 portfolio. Examining the impact of a 1-5% allocation on Sharpe Ratio, volatility, and long-term returns.”, “datePublished”: “2025-12-08”, “dateModified”: “2025-12-08”, “mainEntityOfPage”: { “@type”: “WebPage”, “@id”: “https://bestmoneytip.com/bitcoin-allocation-strategy-retirement-portfolio” }, “mainEntity”: { “@type”: “FAQPage”, “mainEntity”: [ { “@type”: “Question”, “name”: “Does Bitcoin improve portfolio performance?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Historically, yes. Adding a small allocation (1% to 5%) of Bitcoin significantly increased total returns with only a marginal increase in overall volatility due to low correlation.” } }, { “@type”: “Question”, “name”: “Should I buy Bitcoin directly or via ETF?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “For retirement accounts, Spot ETFs (like IBIT) are superior. They eliminate self-custody risks and allow holding within tax-advantaged IRAs to shield gains.” } }, { “@type”: “Question”, “name”: “Is Bitcoin a safe haven?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Not short-term. It is highly volatile. 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