Bitcoin Regret Comes to Anyone Ignoring Coinbase CEO's 5% Rule as Banks Struggle to Limit Gains Advisers are building caps, rebalancing rules and the math of the decline in value, while crypto executives are selling avoiding regret as the new thesis. Coinbase CEO Brian Armstrong told Bloomberg in Davos that investors who don't have at least 5% of their net worth in Bitcoin are "probably going to be pretty sad" by 2030. Recently, Morgan Stanley's asset management division released portfolio guidelines that limit cryptocurrency exposure to a maximum of 4% for even their most aggressive growth models. Both used "5%" as an anchor. Neither thought the same.