Based on Morgan Stanley’s wealth unit, some purchasers ought to maintain solely a small slice of cryptocurrencies of their portfolios. The agency’s steerage suggests a cautious method: as much as 2% for extra measured portfolios and as much as 4% for these in search of greater progress.
For accounts constructed round revenue or capital preservation, the steerage factors to 0% crypto publicity.
Small Stakes, Cautious Guidelines
The financial institution tells its advisors that crypto belongs within the “speculative” a part of a plan. Based mostly on studies, the really helpful publicity is supposed to be modest and managed.
Morgan Stanley prefers purchasers entry crypto via exchange-traded merchandise relatively than shopping for each coin straight. That retains custody and reporting easier, the steerage says. It additionally means brokers can use ETFs and ETPs to offer purchasers publicity with out requiring them to handle wallets.
That is large.
New Particular Report from Morgan Stanley GIC:
“we intention to help our Monetary Advisors and purchasers, who might flexibly allocate to cryptocurrency as a part of their multiasset portfolios.”
GIC guides 16,000 advisors managing $2 trillion in financial savings and wealth for… pic.twitter.com/RBWFxlRNkS
— Hunter Horsley (@HHorsley) October 5, 2025
How To Handle The Publicity
Rebalancing is a part of the recommendation. Experiences present the agency recommends checking and trimming positions on a set schedule so {that a} crypto stake doesn’t balloon throughout a rally.
Advisors are informed to match allocations to shopper targets, to not comply with value strikes. The steerage is obvious: this isn’t for individuals who want regular revenue. It’s for purchasers who can tolerate vast swings and who perceive the danger of dropping their full funding.
NEW: MORGAN STANLEY IS MONTHS AWAY FROM OFFERING CRYPTO TRADING THROUGH E-TRADE, CALLS IT ‘TIP OF THE ICEBERG’ – PER CNBC pic.twitter.com/YIE8Qte7R8
— DEGEN NEWS (@DegenerateNews) September 23, 2025
A Transfer Towards Extra Entry
Morgan Stanley can be engaged on methods to make crypto simpler to commerce for a few of its purchasers. Based mostly on studies, the agency has a deal to let E*Commerce clients commerce cryptocurrencies by way of a associate platform.
Preliminary help is anticipated for Bitcoin, Ethereum and Solana. That shift would develop entry whereas conserving most of the operational and custody features with a regulated supplier.
Market Response And Business Context
Analysts and advisors reacted as anticipated. Some welcomed the readability and the agency’s limits. Others mentioned the steerage nonetheless leaves open large questions on regulation and long-term danger.
The transfer displays a wider pattern amongst large wealth managers which are opening managed doorways to digital belongings whereas nonetheless warning purchasers about volatility and authorized uncertainty.
Massive wealth companies set norms for a lot of buyers. When a significant financial institution gives concrete percentages, it could form what advisors advocate throughout the market.
Based mostly on Morgan Stanley’s view, crypto will probably stay a distinct segment allocation for the foreseeable future. The agency’s language stresses warning and particular person match.
Traders who need publicity will discover managed choices and clearer paths to commerce. However the backside line is unchanged: solely those that can settle for large swings ought to take into account placing cash into these belongings.
Featured picture from Unsplash, chart from TradingView
