In response to 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 strategy: as much as 2% for extra measured portfolios and as much as 4% for these searching for larger development.
For accounts constructed round earnings 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. Primarily based on experiences, the really useful publicity is supposed to be modest and managed.
Morgan Stanley prefers purchasers entry crypto by way of exchange-traded merchandise relatively than shopping for each coin immediately. That retains custody and reporting easier, the steerage says. It additionally means brokers can use ETFs and ETPs to present purchasers publicity with out requiring them to handle wallets.
That is large.
New Particular Report from Morgan Stanley GIC:
“we goal to assist 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. Reviews 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 advised to match allocations to shopper targets, to not observe worth strikes. The steerage is obvious: this isn’t for individuals who want regular earnings. It’s for purchasers who can tolerate vast swings and who perceive the chance of shedding 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 also be engaged on methods to make crypto simpler to commerce for a few of its purchasers. Primarily based on experiences, the agency has a deal to let E*Commerce clients commerce cryptocurrencies by way of a companion platform.
Preliminary assist is anticipated for Bitcoin, Ethereum and Solana. That shift would increase entry whereas protecting lots 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 stated the steerage nonetheless leaves open huge questions on regulation and long-term threat.
The transfer displays a wider pattern amongst huge wealth managers which are opening managed doorways to digital property 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 suggest throughout the market.
Primarily based on Morgan Stanley’s view, crypto will doubtless stay a distinct segment allocation for the foreseeable future. The agency’s language stresses warning and particular person match.
Buyers who need publicity will discover managed choices and clearer paths to commerce. However the backside line is unchanged: solely those that can settle for huge swings ought to contemplate placing cash into these property.
Featured picture from Unsplash, chart from TradingView
