Bitcoin

A small, deliberately capped diversifier — never more than 5–10% of a portfolio.

Our Position

A small hedge, not a bet

Bitcoin is the most volatile instrument we work with, and it is held in the smallest size for exactly that reason. In the Balanced profile it is fixed at 5% of the portfolio. Across all profiles it never exceeds 10%.

The rationale is diversification: an asset whose behaviour is not tightly linked to equities or bonds can contribute something the rest of the portfolio cannot. Held in small size, a total loss would be painful but not structurally damaging to a long-term plan.

We do not treat bitcoin as a growth engine, and we do not increase the allocation when the price rises. The cap is the point.

Conservative 0–3%

Minimal or no exposure

Balanced 5%

Fixed allocation

Growth Up to 10%

Upper limit of the range

Bitcoin never represents more than 5–10% of your portfolio. It’s a small hedge, not a bet.

Risk Disclosure

What you need to understand before holding it

Crypto-assets carry a high level of risk. We would rather set that out plainly than bury it.

Extreme volatility

Bitcoin has repeatedly fallen more than 50% from its highs and taken years to recover. Anyone holding it should be prepared for that to happen again.

No intrinsic yield

Unlike a bond or a dividend-paying share, bitcoin produces no income. Its return depends entirely on someone paying more for it later.

Regulatory uncertainty

Rules governing crypto-assets continue to change across Canada, France, and Belgium, and future changes could affect how it is held, taxed, or traded.

Custody and key risk

Self-custodied bitcoin can be lost permanently if keys are lost. We work with licensed providers and regulated OTC desks to reduce operational risk.

Past performance does not guarantee future results. You should not allocate money to bitcoin that you cannot afford to see fall sharply in value.

At a Glance

How we handle it

Maximum allocation 10% of the portfolio in any profile. 5% fixed in the Balanced profile.

Purchasing Through regulated OTC desks and licensed crypto providers, never on unregulated venues.

Delivery Delivered to a wallet or account in your name. We do not hold client crypto.

Rebalancing If bitcoin grows beyond its cap, the excess is trimmed back rather than left to run.

Near retirement Exposure is typically reduced or removed entirely as the drawdown phase approaches.

Not advice This page is informational and does not constitute individualised investment advice.

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