跟上潮流！美国银行(BAC.US)建议财管客户配置数字货币敞口

Core Viewpoint - Bank of America (BAC.US) is advising its wealth management clients to consider allocating 1%-4% of their portfolios to cryptocurrency exposure, reflecting a growing demand for digital asset allocation among clients [1][2] Group 1: Bank of America's Strategy - The bank's investment strategy team will begin covering four Bitcoin ETF products starting January 2026, including Bitwise, Fidelity, Grayscale Bitcoin Mini Trust, and iShares [1] - Chris Hyzy, Chief Investment Officer of Bank of America Private Bank, stated that a 1%-4% allocation to digital assets is suitable for investors who are innovative and can tolerate high volatility [1] - The lower end of the allocation range is more appropriate for conservative investors, while the upper end may suit those with a higher risk tolerance [1] Group 2: Industry Trends - Other major banks and asset management firms are also entering the cryptocurrency space, with Morgan Stanley recommending a 2%-4% allocation and BlackRock suggesting 1%-2% for Bitcoin [2] - Vanguard is set to allow certain cryptocurrency ETFs and mutual funds on its platform, following similar moves by Morgan Stanley, Charles Schwab, Fidelity, and JPMorgan [2] - Financial technology bank SoFi has recently launched direct cryptocurrency trading services for retail clients, with other institutions expected to follow suit [2] Group 3: Regulatory Environment - Many banks are awaiting Congress to pass a key cryptocurrency bill that would establish a regulatory framework for federal oversight of the cryptocurrency market before launching direct trading and custody services [3] - The Trump administration has made significant adjustments to U.S. cryptocurrency policy, removing several restrictions imposed during the Biden administration, which has led to a more optimistic outlook on cryptocurrency among Wall Street and investors [3] - Despite the positive regulatory changes, the cryptocurrency market has experienced a recent pullback, with Bitcoin prices dropping from a peak of over $126,000 to around $87,000, reflecting a 7% decline year-to-date [3]