Bitcoin Has Room to Grow, But Proceed with Caution, Warns Investown's Kříž

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In recent weeks, Bitcoin has surged past the $90,000 mark, capturing renewed investor attention and reigniting discussions about its long-term potential. This rally is driven by a confluence of factors: the ongoing four-year Bitcoin cycle, the post-halving supply squeeze, increased institutional adoption, and shifting macroeconomic conditions—particularly expectations of interest rate cuts by the U.S. Federal Reserve. As risk appetite returns to global markets, capital is flowing into higher-yield assets, with Bitcoin emerging as a prominent beneficiary.

👉 Discover how market cycles are shaping the next phase of digital asset growth.

Understanding the Current Bitcoin Surge

Historically, Bitcoin’s price trajectory has followed a predictable rhythm centered around its halving events—occurring roughly every four years—where mining rewards are cut in half, reducing new supply. Each halving has been followed by a significant bull run, and 2025 appears to be no exception. The current rally reflects growing confidence that reduced issuance, combined with increasing demand, will continue to push prices upward.

Institutional interest has also intensified. The approval and strong inflows into spot Bitcoin ETFs in the U.S. have provided a regulated gateway for traditional finance players. Major financial institutions, pension funds, and even global banks are now allocating capital to Bitcoin, signaling a maturing market. This structural shift adds credibility and liquidity, further fueling momentum.

However, while the macro backdrop appears favorable, investors must remain grounded. Volatility remains a defining feature of Bitcoin—even as it gradually declines over time. For example, in 2020, Bitcoin delivered nearly a fivefold return; this year’s gains, while impressive at over 100%, are comparatively more moderate. Still, such volatility underscores that Bitcoin is not a conservative investment and should be approached with discipline.

Bitcoin vs. Real Estate: Risk, Return, and Stability

When evaluating investment options, it's essential to contrast high-growth potential assets like Bitcoin with more stable alternatives such as real estate. While Bitcoin offers explosive upside, its price can swing dramatically in short periods. In contrast, real estate investments—particularly through platforms like Investown—deliver steady, predictable returns from day one.

Real estate-backed investments offer tangible security: each loan is secured by physical property, providing a layer of capital protection. Even in downturns, the underlying asset retains value, reducing downside risk. Additionally, real estate has historically served as an effective hedge against inflation, preserving purchasing power over time.

Another advantage is accessibility. Platforms like Investown allow investors to participate with smaller amounts, enabling diversification across multiple properties and geographies. Importantly, investors don’t own the real estate directly but fund secured loans tied to them—this structure insulates them from market fluctuations while guaranteeing a fixed return.

👉 Compare the benefits of passive income streams in today’s evolving investment landscape.

Strategic Portfolio Management in Volatile Times

For seasoned investors, Bitcoin can be a powerful tool for wealth creation—especially when timed correctly within its cyclical pattern. But for less experienced participants, the current rally should serve as a reminder to reassess portfolio allocations.

Marek Kříž, CGO of Investown and a long-term Bitcoin observer since 2013, shares his personal strategy: he has set a target price of $150,000 for selling his holdings. This disciplined approach helps him stay focused amid market euphoria. He views the current uptrend not as an anomaly but as part of Bitcoin’s natural cycle.

His advice? Use this phase of growth as an opportunity to rebalance. If your exposure to Bitcoin has grown disproportionately due to price appreciation—exceeding your original risk tolerance—it may be wise to lock in some profits and reallocate toward more stable assets.

Diversification remains a cornerstone of sound investing. Bitcoin should occupy a strategic but limited portion of a well-balanced portfolio—not dominate it. Allocating across asset classes like real estate, equities, and fixed-income instruments helps mitigate risk while capturing growth across different market environments.

Frequently Asked Questions (FAQ)

Q: Is Bitcoin still a good investment in 2025?
A: Yes, many analysts believe Bitcoin still has significant upside potential in 2025 due to halving-driven scarcity and growing institutional adoption. However, its high volatility means it's best suited for investors with a higher risk tolerance.

Q: How does the Bitcoin halving affect its price?
A: The halving reduces the rate at which new Bitcoins are created, effectively limiting supply. Historically, this scarcity has preceded major price increases as demand continues to grow.

Q: Why consider real estate over Bitcoin?
A: Real estate offers lower volatility, predictable income through interest payments, and tangible asset backing. It's ideal for investors seeking stability and inflation protection.

Q: Can I lose money investing in Bitcoin?
A: Absolutely. Despite its long-term growth trend, Bitcoin is subject to sharp corrections. Prices can drop 30% or more during bull market pullbacks, making timing and risk management crucial.

Q: How can I diversify without leaving crypto?
A: Consider spreading investments across Bitcoin, Ethereum, and select altcoins with strong fundamentals. You can also allocate to crypto-related stocks or ETFs for indirect exposure.

Q: What percentage of my portfolio should be in Bitcoin?
A: Financial advisors often recommend allocating 1% to 5% for conservative investors and up to 10% for those with higher risk tolerance. Always align allocations with your personal financial goals and risk profile.

👉 Learn how top investors balance risk and reward in dynamic markets today.

Final Thoughts: Balance Growth with Prudence

Bitcoin’s journey past $90,000 is a testament to its resilience and growing acceptance in mainstream finance. The confluence of technical cycles, macroeconomic shifts, and institutional demand suggests there is still room for growth—some forecasts even point to $200,000 by year-end.

Yet, as history shows, rapid gains often precede sharp corrections. The smartest investors aren’t those chasing every uptick but those who maintain discipline, diversify wisely, and protect capital through balanced allocation.

Whether you're holding Bitcoin for long-term appreciation or seeking steady returns through real estate lending, the key lies in understanding your risk appetite and building a portfolio that aligns with your financial objectives.

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