Brazil's largest asset management company, Itaú Asset Management, recently sent a recommendation to its clients—allocate 3% of their wealth to Bitcoin. At first glance, it seems aggressive, but the underlying logic is worth pondering.

In traditional thinking, having money means depositing it in the bank or buying stocks. The problem is, this approach no longer works well. Inflation erodes purchasing power, exchange rate fluctuations are frequent, and economic outlooks are uncertain. If you put all your wealth into cash or real estate, you are actually exposing yourself to the greatest risk.

Why allocate to Bitcoin? Simply put, it’s one word—independence. It doesn’t follow stocks, doesn’t follow exchange rates, and has its own rhythm. This is true diversification of assets. Imagine having 1 million yuan, and allocating 30,000 yuan to Bitcoin. Even if it drops, your losses are limited. But if a major market event or economic upheaval occurs, the gains from this 30,000 yuan could offset losses in your other assets. This is not gambling, but risk hedging—adding insurance to your wallet.

The most crucial advice is: don’t overthink it. Many people fall into the trap of “waiting for it to go lower before buying.” The correct approach is dollar-cost averaging—buy regularly, keep buying, regardless of market ups and downs. This doesn’t require technical analysis or daily market monitoring; essentially, it’s a disciplined long-term savings strategy.

This trend has already spread worldwide. Financial institutions in the U.S. recommend allocating 4%, and giants like BlackRock are also adjusting their asset allocation strategies. From Wall Street to São Paulo, from institutions to individuals, the recognition of Bitcoin as a safe-haven asset continues to rise.