Wolverine_DxC

After touching record highs earlier this year, #bitcoin and many major #cryptocurrencies fell into a bear market in November.#CPIWatch

Prices of bitcoin were at $92,000, and prices for ether were hovering just under $3,200 as of Thursday. This drop may have investors wondering if they should rethink how much of their individual portfolios should be in the digital assets.#BinanceBlockchainWeek
Edward Hadad, a financial planner at Financial Asset Management Corp., recommends that speculative assets like crypto or gold should not exceed more than 5% of a person’s portfolio, regardless of market conditions.$BTC
“Our philosophy is to invest in a well-diversified portfolio of stock and bond funds and ETFs, which does not include direct positions in crypto, gold

or individual stocks,” he said. For clients who want to own crypto, “it’s a conversation, but we strongly recommend in most cases to limit it to 1%-5% of their total assets,” Hadad said.$ETH

He adds that his recommendations don’t change with price swings of an asset like bitcoin, which is already a volatile asset.
“There’s going to be some individuality to each portfolio,” Clifford Cornell, a certified financial planner at Bone Fide Wealth, told MarketWatch about the recent market shifts in bitcoin, as well as gold. “Any changes for a portfolio, I always try to figure out if FOMO (fear of missing out) is the main driver.”

Cornell suggests that instead of a blanket recommendation for those interested in assets outside of stocks and bonds, they consider a separate “opportunity portfolio” for growth investing in these alternate assets, which are not dependent on market swings.
“We never shy away from allowing clients [to invest] if they feel strongly about bitcoin, gold or an individual stock,” he said.
Cornell also noted that any alternate asset investment that makes up 15% of a person’s portfolio is too “hefty.”#USJobsData
In a shift, some major financial services companies are now giving recommendations on cryptocurrency allocation, reflecting growing client demand and the mainstreaming of crypto through regulated ETFs and online trading platforms.
They, too, are generally suggesting a conservative approach for investors.
On Tuesday, Bank of America started recommending a 1% to 4% crypto allocation for its wealth management clients, marking a significant shift in how one of the country’s largest financial institutions approaches crypto exposure, according to Yahoo Finance. The guidance applies across Merrill, Bank of America Private Bank and Merrill Edge.@DXC Foundation
“Our guidance emphasizes regulated vehicles, thoughtful allocation, and a clear understanding of both the opportunities and risks,” Chris Hyzy, chief investment officer at Bank of America Private Bank, said in a statement.@DJ史珍香 @K A M I L
Morgan Stanley’s Global Investment Committee, for example, issued a paper in October recommending a maximum crypto allocation of 4%. The committee characterized the asset class as “speculative and increasingly popular,” comparing bitcoin specifically to “digital gold” due to its scarcity.@Hannah_汉娜 @陌上花开Hawk
Similarly, BlackRock’s Investment Institute suggested a 1% to 2% allocation to bitcoin for 2024. Writers from Fidelity’s investment blog offered a slightly higher range, suggesting that a 2% to 5% portfolio allocation might be appropriate for bitcoin, and potentially up to 7.5% for younger investors.$SOL

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Furthermore, Morgan Stanley is expanding its services to allow retirement accounts to hold crypto for the first time. It will use automated monitoring processes to help ensure clients don’t become overly exposed to the volatile digital asset class. However, the financial planners who spoke to MarketWatch regarding this development were discussing potential crypto exposure in traditional brokerage accounts, not retirement accounts.

Here's the 'biggest mistake' young investors make, says this financial CEO — are your efforts to protect your wealth preventing you from growing it?

If you’re a young investor who’s keeping your cash out of the stock market, one financial expert says it could be the “biggest mistake” you make.#BinanceBlockchainWeek
Josh Brown, CEO of Ritholtz Wealth Management, argues that focusing too much on protecting themselves from losses can be counterintuitive to building wealth for the long term.@Bitcoin
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Real Estate: Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howRetirement: Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPInvesting: Warren Buffett used 8 solid, repeatable money rules to turn $9,800 into a $150B fortune. Start using them today to get rich (and stay rich)
“When you’re young, worrying more about downside than upside is probably the biggest mistake,” #TrumpTariffs “You have to get rich before you focus on preserving your wealth.”@Hannah_汉娜
But in an economy clouded by inflation, tariffs and political uncertainty, even seasoned investors are asking: Where do I invest now?@DJ史珍香
Young investors fear the stock market
According to a Bankrate poll, among Americans who did not prefer the stock market as an investment tool, roughly 29% of Gen Z (ages 18-28) and 24% of millennials (ages 29-44) said the stock market felt too intimidating — higher shares than any other generation. (2)@陌上花开Hawk @币圈魁哥888
Some may be retreating into cash investments (e.g., CDs, savings accounts) or bonds, thinking they’re playing it safe, however, stocks have outperformed both over time. From 1957 to 2024, the S&P 500 has delivered an average annual return, including dividends, of 11.84%, compared to just 5.71% for 10-year Treasury Bonds, according to data compiled by New York University. (3)$BTC $ETH $SOL

Vanguard reveals what could be coming for U.S. stocks, and it’s raising alarm bells for retirees. Here’s why and how to protect yourself
The largest advantage young people have in terms of investing is time. Even in the face of market volatility, young investors often have decades to let their earnings compound and recoup from any short-term losses.
“When you appreciate how much time you have, you recognize the benefit of long-term compounding,” Brown said.
Even so, some investors can’t shake the feeling that 2025 may be riskier than usual. Are there ways consumers can invest in the market while limiting risk?@HASSAN X1
A more innovative way to take risks
Investing in the stock market inherently comes with risk, but there are different strategies for dealing with it.
One touted by experts is diversification. For young investors, this often means skipping individual stock picking in favour of low-cost index funds or exchange-traded funds (ETFs) that track the broader market. Doing so gives you exposure to a variety of sectors instead of a single company or industry. Essentially, you’re not putting all of your eggs in one basket.
Some ETFs also look beyond the U.S. stock market and invest in companies across the globe, adding further diversity.
Investors may also want to consider recession-resistant sectors — such as health care, consumer staples and utilities — which tend to hold up better when markets falter.
Being mindful of the type of account used to invest is also key, especially for new investors. For example, investing and contributing to tax-advantaged accounts like a 401(k) or IRA can lower your taxable income for that year, unlike investing with an ordinary brokerage account.
What to read next
Robert Kiyosaki says this 1 asset will surge 400% in a year — and he begs investors not to miss its ‘explosion’Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich — and ‘anyone’ can do itI’m almost 50 years old and have nothing saved for retirement. What do I do? Don’t panic. Here are 6 easy ways to catch up (and fast)Young millionaires are rethinking stocks and banking on these assets instead — here’s why older Americans should take note@DXC Foundation

@Bitcoin could potentially hit $170k in the next year if it trades like gold, JPMorgan strategists said.#BinanceBlockchainWeek
The bank has floated the idea that bitcoin trades in line with the precious metal for the last few years.Bitcoin's price will depend largely on what happens in the near-term with Strategy, the firm said.
Bitcoin may be mired in a bear market, but there's a case for the token to rocket to $170,000 sometime in the next 12 months.#BTC86kJPShock
JPMorgan said it saw the crypto potentially climbing 84% over the next six to 12 months, citing a projection from its model that assumes bitcoin will trade similarly to the price of gold.#BTCVSGOLD
"Our volatility-adjusted bitcoin comparison to gold metric continues to imply a theoretical bitcoin price of close to $170k, suggesting significant upside for bitcoin over the next 6-12 months," a team of strategists led by Nikolaos Panigirtzoglou wrote in a client note on Wednesday.#USJobsData
Such a rally would come on the back of a difficult few months for bitcoin, which has tumbled into a bear market amid a general risk-off shift, worries about the path of interest rates in 2026, and concerns about Strategy, the bitcoin treasury firm founded by Michael Saylor.#BTC
Bitcoin traded around $92,593 on Wednesday, down approximately 26% from its all-time high of over $126,000 earlier this year. The crypto is now down for the year.
JPMorgan, though, has floated the possibility that bitcoin could be trading more similarly to gold for years. This was most prominently exhibited in April, when concerns about tariffs drove a historic sell-off in US stocks and led to inflows into bitcoin and other cryptocurrencies.$BTC

Strategists also said they were eyeing two factors to potentially influence the price of bitcoin over the near-term:
1. Strategy holding on to its bitcoin

David Becker for BI© David Becker for BI
Fears have risen recently that bitcoin holding company Strategy could start dumping some of its tokens as the prices crash and its premium stock price relative to bitcoin comes down.
Strategy holding onto its bitcoins would be a positive for the crypto, JPMorgan said. The firm is the largest corporate holder of bitcoin, though rumors that it could sell some of its tokens began to pick up steam last month.
Arkham Intel, a crypto analytics firm, estimated that Strategy had around 437,000 bitcoin tokens in its coffers in November, down from a peak of around 484,000 tokens earlier in the month. Previously, the firm said it believed it had identified around 97% of Strategy's total bitcoin holdings.
Phong Le, Strategy's CEO, recently suggested that the firm could eventually sell its bitcoin if its mNAV were to dip below a threshold of 1. That metric, which measures Strategy's market value relative to the value of its bitcoin holdings, is hovering around 1.1, according to the latest data on the company's website.
JPMorgan strategists noted that the firm recently announced it had raised $1.4 billion in cash reserves. That fund could cover costs like dividend and interest payments for about two years without the company having to sell bitcoin, strategists estimated, adding that they saw forced selling as "even less likely" with the reserves on hand.
"If this ratio stays above 1.0 and MicroStrategy can eventually avoid selling bitcoins, markets will likely be reassured and the worst for bitcoin prices will likely be behind us," strategists said.
2. Strategy remaining in the MSCI
The MSCI is deciding in January if it will exclude companies from its indices that have 50% or more of their assets invested in digital assets.
If it were to move forward with that rule, that would take Strategy out of the MSCI US and MSCI Global indexes, something that could spark around $2.8 billion worth of outflows from the stock, JPMorgan previously estimated.

"On the other hand, if the MSCI decision on January 15th were positive, then both MicroStrategy and bitcoin will likely rebound strongly towards pre-October 10th levels," the bank wrote, suggesting the crypto could rise back to all-time-highs in that scenario.@DJ史珍香 @DXC Foundation @Hannah_汉娜

$BTC trading near $89K, facing resistance at $90K-$92K. Support exists at $80K-$82K, but a break could push it toward $78K. Limited upside expected even in bullish scenarios. New Offers decentralised lending, flexible APY via mtTokens, and provides secure borrowing with LTV rules. #BinanceBlockchainWeek Completed CertiK audit (90/100), Halborn review ongoing. Strong engagement with 18,200+ holders, daily leaderboard rewards, and upcoming V1 launch on Sepolia Testnet with stablecoin integration.#BTC86kJPShock
@Bitcoin is once again l DeFi token priced at $0.035, entering final 4% of Phase-6 supply. osing momentum, and analysts warn that BTC may be heading toward a retest of the $78K zone if selling pressure continues. As the leading cryptocurrency shows weakness, traders are increasingly turning their attention to early-stage altcoins with stronger upside potential. #TrumpTariffs One new DeFi token priced at $0.035 is now entering the final 4% of its Phase-6 supply, creating rising urgency among investors searching for the best crypto to buy now before the next major cycle begins.#CryptoIn401k
Bitcoin (BTC)
@Bitcoin is trading near $89,000, with its market cap sitting well below the $2T range. Despite recent attempts to recover, BTC continues to face heavy resistance around $90K to $92K. A higher ceiling near $100K to $105K has remained untouched for weeks, as volume has weakened and buyer conviction has faded.@Hannah_汉娜

Bitcoin Price Prediction: BTC Could Test $78K While This $0.035 New Crypto Hits Its Phase-6 Final 4% Supply
BTC still has support near $80K to $82K, but if that range breaks, market commentators suggest the price could slide toward the $78K region. Even in a bullish rebound scenario, projections show Bitcoin returning only to the $100K level, which offers limited upside for investors hoping for stronger gains.@DJ史珍香
Because of BTC’s large market cap, upward movement has slowed significantly. Many investors now prefer lower-cost altcoins where early-stage growth can still deliver meaningful returns. This shift in sentiment is one of the reasons a new cryptocurrency like Mutuum Finance (MUTM) is attracting heavy attention as its allocation closes in on the final few percent.@币圈魁哥888
Mutuum Finance (MUTM)
Mutuum Finance (MUTM) is building a decentralized lending platform centered around real financial utility. It uses two lending structures that give users flexibility, stable yield and safer borrowing options.
The Peer-to-Contract model lets users supply assets and receive mtTokens. These mtTokens grow in value as borrowers repay interest. For example, a user who supplies $500 worth of USDT will receive mtTokens that increase in value as lending activity rises. This creates APY tied directly to demand rather than inflationary token emissions.@K A M I L

The Peer-to-Peer system allows users to borrow with variable or, in some cases, stable rates. Variable rates fluctuate based on utilization, while stable rates provide predictable repayment costs. Mutuum Finance also uses LTV rules to keep borrowing positions safe. Stable assets can support LTV ratios near 75%, while volatile tokens stay closer to 35% or 40%. If collateral drops too far, automated liquidations protect the system. Liquidators buy discounted collateral and help repay positions, preventing bad debt from spreading through the protocol.
Security Strength and Community Activity
Mutuum Finance launched its offering in early 2025 at $0.01. Today, the token is priced at $0.035, marking a 250% increase during the development phase. The project has raised $19M and built a community of more than 18,200 holders, a strong indicator of early adoption and growing confidence.
Out of the project’s 4B total supply, 1.82B tokens are dedicated to the offering. More than 800M tokens have already been purchased. Phase 6 is now sitting at 96% allocation, leaving only the final 4% available at the current price. This rapid movement reflects strong demand and rising urgency among buyers looking for early-stage positions before the price moves closer to the $0.06 launch value.
Security remains one of Mutuum Finance’s strongest selling points. The project completed a CertiK audit with a 90/100 Token Scan score, and Halborn Security is reviewing the finalized lending and borrowing contracts. This level of verification is rare for new DeFi tokens and gives investors confidence that MUTM is being built on a secure foundation.
Community activity is also strong. The project runs a 24-hour leaderboard, rewarding the top daily contributor with $500 in MUTM. This feature helps drive daily inflows and keeps engagement steady. The offering also accepts direct card payments, making participation easier for both new and experienced users.@DXC Foundation
V1 and Shrinking Supply
According to the official Mutuum Finance X account, V1 of the protocol will launch on the Sepolia Testnet in Q4 2025. This release includes the liquidity pool, mtTokens, the liquidation bot and the debt-tracking token. ETH and USDT will be supported from the start, allowing users to interact with core lending features before the platform reaches full deployment.

Mutuum Finance is also preparing a native stablecoin that will be minted and burned on demand and remain pegged to USD. The stablecoin will generate interest that flows into the Mutuum Treasury, creating long-term revenue for the entire ecosystem. Stablecoins are essential for lending protocols because they increase borrowing options and improve liquidity depth.
Accurate pricing is another vital feature. Mutuum Finance plans to integrate Chainlink oracles, fallback oracles and on-chain price feeds. This system reduces the risk of inaccurate liquidation events and protects users during periods of strong volatility.
These development plans are important because they show that Mutuum Finance is not just another presale token. It is building a functional DeFi environment backed by strong mechanics and real financial tools.
With only 4% of Phase 6 remaining, the offering is close to full completion. Whale activity has increased in recent days, including large buys that pushed the allocation closer to completion. When big investors enter during the final stages, the remaining supply tends to disappear quickly.
Bitcoin may retest $78K as bearish sentiment grows, and many investors are now searching for alternatives with stronger upside potential. Mutuum Finance is showing rapid expansion at $0.035, backed by developing DeFi mechanics, major audits, community engagement, stablecoin development and an upcoming V1 launch.@波波掘金 BNB @Nuhaa_Aliy 2 @Ji Qi 急启

Should you buy the Bitcoin dip? The crypto paradox.
@Bitcoin is finally gaining widespread acceptance among mainstream investors. Paradoxically, that popularity undermines one of the biggest reasons for owning the crypto in the first place.#BTCVSGOLD #BinanceBlockchainWeek

After hitting an all-time high of just over $126,000 in early October, the popular cryptocurrency has shed more than 25% of its value since. On Wednesday, it was trading around $92,700.#USJobsData @DJ史珍香
Despite the selloff, Bitcoin has garnered some high-profile endorsements. Last month, Bank of America’s Merrill Lynch said it would allow financial advisors to recommend that clients invest 1% to 4% of their portfolios in digital assets starting in January. On Tuesday, Vanguard began allowing clients to trade crypto ETFs and mutual funds on its platforms.@Hannah_汉娜
Bitcoin’s biggest step toward the mainstream took place in January 2024, when the Securities and Exchange Commission permitted spot Bitcoin ETFs. The funds, led by iShares Bitcoin Trust ETF, were an instant hit, collecting more than $100 billion from investors and helping drive a big rally in Bitcoin prices. Bitcoin has more than doubled since the funds appeared nearly two years ago.@陌上花开Hawk @币圈魁哥888
#TrumpTariffs The Trump administration has been a big booster for the crypto industry, too.$BTC

Ironically, mainstream acceptance may be diminishing the investment case for Bitcoin—at least among the mainstream individual and institutional investors who buy it through an ETF in a Vanguard or Bank of America investment account.
While Bitcoin has always had its true believers who will HODL—short for “hold on for dear life”—the mainstream investing case has long rested on a more subtle argument: Crypto is a diversifier, an asset whose prices aren’t correlated to the ups and downs of traditional stocks and bonds. The idea is that owning small amounts of crypto—like the 1% to 4% that Merrill suggests—can help smooth a portfolio’s returns, much like investors have long owned small amounts of commodities like gold.
There’s a problem with this theory. Unlike gold, Bitcoin is still a brand-new asset. Its returns are less than two decades old, and the dynamics are liable to evolve, especially as new kinds of investors buy in.
Earlier this year, CME Group economist Mark Shore published a note pointing out that, between January 2014 and April 2025, Bitcoin boasted a relatively low correlation to stocks of 0.2. But it’s worth looking more closely at the data. Bitcoin recently underwent a significant shift, essentially being uncorrelated to stocks before 2020 and then displaying a positive correlation of about 0.5 since then.
“The positive correlation is not limited to a single index. Both the S&P 500 and Nasdaq 100 show very similar patterns, indicating that the trend is widespread across the equities market,” wrote Shore. “This suggests that Bitcoin’s performance is now more closely tied to the broader economic and market conditions.”
There’s one obvious explanation for this: all the mainstream institutional and retail investors who have piled into Bitcoin over the past few years, especially since the advent of Bitcoin ETFs. These investors are notorious for chasing hot returns.
A look at the investment flows in and out of Bitcoin ETFs suggests that is exactly what they have been doing. During the first 10 months of the year, when Bitcoin was on a steady upward trajectory, investors poured more than $24 billion into Bitcoin ETFs, according to FactSet. Since then, the trend has sharply reversed, with investors yanking $3 billion from the funds in the past month alone.
All this buying and selling has an effect on Bitcoin’s price. In other words, Bitcoin’s popularity appears to be turning it into a “risk-on asset” that reflects mainstream investors’ bullishness, just like the stock market it is supposed to be a refuge from.
The bottom line: The more popular Bitcoin gets, the less reason there is for you to own it.@K A M I L @DXC Foundation

Zcash edges higher by nearly 10% in the last 24 hours, with bulls aiming for the $400 mark.MYX Finance extends recovery above $3 and the 50-day EMA, approaching the 100-day EMA resistance.Dash trades above $50 but struggles to clear the 100-day EMA.

@Zcash Official $ZEC , MYX Finance (MYX), and Dash (DASH) are the top-performing assets in the top 100 cryptocurrency list over the last 24 hours. The privacy coin leads the rally while MYX and DASH struggle to clear their 100-day Exponential Moving Averages (EMA).@Hannah_汉娜 @T E R E S S A @DJ史珍香
Zcash approaches $400 with bulls aiming for a breakout rally
Zcash edges higher by 5% at press time on Friday, extending its 8% rise from the previous day. The privacy coin performs a V-shaped reversal on the daily logarithmic chart from the $300 psychological support, marked by three consecutive bullish candles. @DXC Foundation
The recovery run approaches the 50-day EMA at $420, which serves as the immediate resistance. A successful close above this level could extend the rally toward the $550 supply zone.
The Relative Strength Index (RSI) at 42 on the daily chart indicates an upward tilt toward the midpoint, suggesting a decrease in selling pressure. At the same time, the Moving Average Convergence Divergence (MACD) shifts toward the signal line, a sign of reduced bearish momentum and a potential crossover which would indicate renewed bullish drive.

ZEC/USDT daily logarithmic chart.
On the downside, if Zcash flips from $400, the 100-day EMA at $323 could provide support.
MYX Finance struggles at a resistance
MYX Finance token is up 4% by press time on Friday, extending the uptrend for the eighth day. The MYX recovery inches closer to the 100-day EMA at $3.58, which serves as immediate resistance. If the token clears this dynamic resistance, it could aim for $4.46, aligning with the October 5 low. 
The momentum indicators show a steady increase in buying pressure as the RSI at 61 extends towards the overbought zone, while the MACD and signal line extend the uptrend above the zero line. 

MYX/USDT daily logarithmic chart.
Looking down, the key support levels for MYX are the 50-day EMA at $3.24, followed by the 200-day EMA at $2.67. 
Dash aims for the 100-day EMA breakout
Dash extends its recovery for the third consecutive day, aiming to clear the 100-day EMA at $50.98. At the time of writing, DASH trades near $52.00, up 5% on Friday. 
If the privacy coin secures a daily close above $50.98, it would confirm the 100-day EMA breakout and aim for the 50-day EMA at $59.50.
Similar to Zcash, the momentum indicators on the daily timeframe signal a positive shift in the DASH price trend. The RSI at 42 is shifting upward towards the midline, while the MACD and signal line prepare for a bullish crossover.#BinanceBlockchainWeek #BTCVSGOLD #CPIWatch

DASH/USDT daily logarithmic chart.
However, if DASH reverses from $50.00, it could extend the decline to the 200-day EMA at $41.16.

Translating @JPMORGAN 's income based framework into everyday decisions starts with a clear view of your current cash flow. $BTC I would begin by listing all sources of income, then mapping out fixed expenses like mortgage or rent, utilities, insurance, and minimum debt payments, followed by variable costs such as groceries, gas, and discretionary spending. That exercise often reveals room to carve out at least a 5% gross savings rate, whether by canceling underused subscriptions, refinancing high interest credit card balances into a lower rate personal loan, or switching from a premium cell phone plan to a more basic option from carriers like Visible or Mint Mobile.#BTCVSGOLD #BinanceBlockchainWeek #BTC86kJPShock

Once that baseline is in place, the next step is to align your savings vehicles with your income level and tax situation. A worker with access to a 401(k) that offers an employer match should prioritize capturing the full match before looking at other accounts, since that match is effectively an immediate, risk free return. For those without a workplace plan, setting up automatic transfers into an individual retirement account at a low cost provider like Vanguard, Fidelity, or Schwab can mimic the discipline of payroll deductions. The key is to treat that 5% (or more, if you can manage it) as non negotiable, adjusting lifestyle choices around it rather than dipping into contributions whenever a new expense pops up.#CryptoIn401k #USJobsData
Over time, revisiting your income replacement assumptions can keep your plan aligned with reality. If your earnings rise, you might increase your savings rate above 5% to accelerate progress, especially in peak earning years when big expenses like child care or student loans fall away. If your income drops or you face a period of unemployment, temporarily reducing contributions while preserving the habit of saving something, even 1% or 2%, can help you stay connected to the long term goal. The spirit of JPMorgan's message is that the right retirement target is not a static $1,000,000 number but a moving balance between what you earn, what you spend, and how you want to live when paychecks stop.@T E R E S S A @陌上花开Hawk @DJ史珍香