To others, it’s a speculative asset that has yet to earn a place in a long-term retirement portfolio. The move has prompted many investors to consider if cryptocurrency should also have a place in retirement portfolios. Does that change the conversation about whether digital assets belong in a long-term investment portfolio? Q: If someone definitely wants cryptocurrency in their retirement portfolio, what percentage do you think is appropriate? Godwin: For those investors who desire holding some crypto, we recommend going up to 5% of their overall portfolio value.