The 60/40 stock-bond portfolio model has guided investors for decades. But according to Ric Edelman, founder of the Digital Assets Council of Financial Professionals (DACFP), that strategy is no longer sufficient for today’s financial realities.
With medical advancements extending life expectancy, the typical investor must now plan for a retirement that may last well beyond age 90. “If you're alive in 2030, you’re likely to live past 100,” Edelman warns — which significantly expands your investment horizon.
Edelman urges investors to rethink portfolio construction. His data shows that portfolios including Bitcoin and other digital assets consistently:
His message is clear: “Owning crypto is no longer speculative — failing to do so is.
Edelman breaks down his crypto allocation strategy based on the investor’s risk tolerance:
He argues that excluding crypto entirely from your portfolio is no longer a safe or conservative choice. Instead, it means you're essentially shorting an asset class that has consistently outperformed others for over 15 years.
What was once viewed as risky is now rapidly becoming mainstream. Crypto’s rise is fueled by:
This shift is driving widespread inclusion of digital assets into both retirement portfolios and business treasury strategies.
At Virtual Pay Solutions, we enable secure, compliant, and easy integration of crypto into your financial life. Whether you’re:
…we offer full-service solutions, including OTC trading, payment links, and crypto-to-fiat API integrations.
We align with Edelman’s vision of empowering investors with tools built for the realities of the 21st-century economy.
According to Edelman, “Advisors have a fiduciary duty to plan for their clients’ future, not just their comfort zone.” That means embracing innovation — and educating clients on crypto’s real-world potential.
At Virtual Pay, we help close that gap by offering education-backed onboarding and enterprise-grade infrastructure for businesses and individuals alike.
The 60/40 stock-bond portfolio model has guided investors for decades. But according to Ric Edelman, founder of the Digital Assets Council of Financial Professionals (DACFP), that strategy is no longer sufficient for today’s financial realities.
With medical advancements extending life expectancy, the typical investor must now plan for a retirement that may last well beyond age 90. “If you're alive in 2030, you’re likely to live past 100,” Edelman warns — which significantly expands your investment horizon.
Edelman urges investors to rethink portfolio construction. His data shows that portfolios including Bitcoin and other digital assets consistently:
His message is clear: “Owning crypto is no longer speculative — failing to do so is.
Edelman breaks down his crypto allocation strategy based on the investor’s risk tolerance:
He argues that excluding crypto entirely from your portfolio is no longer a safe or conservative choice. Instead, it means you're essentially shorting an asset class that has consistently outperformed others for over 15 years.
What was once viewed as risky is now rapidly becoming mainstream. Crypto’s rise is fueled by:
This shift is driving widespread inclusion of digital assets into both retirement portfolios and business treasury strategies.
At Virtual Pay Solutions, we enable secure, compliant, and easy integration of crypto into your financial life. Whether you’re:
…we offer full-service solutions, including OTC trading, payment links, and crypto-to-fiat API integrations.
We align with Edelman’s vision of empowering investors with tools built for the realities of the 21st-century economy.
According to Edelman, “Advisors have a fiduciary duty to plan for their clients’ future, not just their comfort zone.” That means embracing innovation — and educating clients on crypto’s real-world potential.
At Virtual Pay, we help close that gap by offering education-backed onboarding and enterprise-grade infrastructure for businesses and individuals alike.
