Suitability is an important factor in this consideration as well. Younger adults have more opportunity for the future of their investments and could have more allocated to risky assets whereas adults approaching retirement need to focus on preservation of capital and income generation for their assets should not have too much. During the hype, cryptos represented almost 40% for me so I sold and scaled it to 15%. However, as I have come to understand it better and the decrease in price, I have gotten to 20%.