Bitcoin News Today: Dalio urges 15% gold/Bitcoin allocation to hedge fiat devaluation US debt risks

Ray Dalio, founder of Bridgewater Associates, has reiterated his recommendation for investors to allocate up to 15% of their portfolios to gold or Bitcoin as a hedge against fiat currency devaluation and broader economic risks. The advice, shared during multiple public appearances and interviews in late July 2025, underscores Dalio’s longstanding focus on balancing portfolios against systemic financial vulnerabilities. He emphasized that such an allocation optimizes return-to-risk ratios in a neutral portfolio, though he personally favors gold over Bitcoin while acknowledging investor discretion in the choice between the two assets [1][2][3].

Dalio’s rationale centers on concerns about the erosion of fiat currency value and unsustainable U.S. debt levels. He warned that the United States’ debt now exceeds six times its annual revenue, a situation he described as a critical risk to financial stability. By allocating to “hard money” assets like gold and Bitcoin, investors can mitigate exposure to centralized monetary systems and potential devaluation [4][5]. Notably, while Dalio expresses reservations about Bitcoin’s viability as a reserve currency—citing its lack of privacy and potential technological vulnerabilities—he acknowledges its advantages, including limited supply and transactional benefits. He also confirmed holding some Bitcoin since 2021, though he remains cautious about its long-term role in global finance [6].

The recommendations align with broader market trends emphasizing diversification and inflation protection. Dalio’s endorsement has been interpreted as a signal to institutional and retail investors to re-evaluate their exposure to non-correlated assets. However, he cautions that individual decisions should balance personal risk tolerance and investment objectives. “If you were neutral on everything and optimizing for the best return-to-risk ratio, you would have around 15% in gold or Bitcoin,” he stated during a July 2025 podcast [7].

Despite his preference for gold, Dalio’s comments reflect a nuanced view of Bitcoin’s potential. He recognizes its scarcity and technological attributes but questions its adoption as a central bank reserve asset. “There is a question of whether the code could be broken or things can be done to make it less effective, including government controls,” he noted, highlighting regulatory uncertainties that could impact Bitcoin’s utility [8].

The timing of Dalio’s statements coincides with renewed interest in Bitcoin as a hedge against economic instability. Analysts suggest that his influence could amplify institutional scrutiny of cryptocurrency as a portfolio diversifier, though practical adoption will depend on regulatory clarity and market maturation [9]. Dalio’s advice also reinforces his broader thesis on debt-driven financial cycles, which he has outlined in previous works and public commentary.

Sources:

[1] [Bitcoin News Today: Ray Dalio Recommends 15%](https://www.ainvest.com/news/bitcoin-news-today-ray-dalio-recommends-15-bitcoin-gold-allocation-hedge-debt-risks-2507-19/)

[2] [Ray Dalio Just Revealed How Much Bitcoin You Need](https://finbold.com/ray-dalio-just-revealed-how-much-bitcoin-you-need-to-hedge-against-fiat-devaluation/)

[3] [Ray Dalio Recommends Allocating 15% of Funds to Gold](https://www.binance.com/en/square/post/07-28-2025-ray-dalio-recommends-allocating-15-of-funds-to-gold-or-bitcoin-27546743738649)

[4] [Billionaire Dalio Backs 15% Bitcoin or Gold Allocation](https://u.today/billionaire-dalio-backs-15-bitcoin-btc-or-gold-allocation)

[5] [Ray Dalio Endorses 15% Bitcoin or Gold Portfolio Allocation](https://www.fxleaders.com/news/2025/07/28/ray-dalio-endorses-15-bitcoin-or-gold-portfolio-allocation/)

[6] [Ray Dalio Urges Bitcoin or Gold: Says Fiat's On A Slippery ...](https://financefeeds.com/ray-dalio-urges-bitcoin-or-gold/)

[7] [Ray Dalio Urges 15% Bitcoin, Gold Allocation for US Debt](https://www.cryptotimes.io/2025/07/28/ray-dalio-urges-15-bitcoin-gold-allocation-for-us-debt-risks/)

[8] [Discover Why Ray Dalio Is Betting Big on Bitcoin and Gold](https://www.instagram.com/p/DMpEzagtQtT/)

[9] [Jonah on X: "Dailo Says Hold 15% BTC Median Allocation...](https://x.com/jvb_xyz/status/1949804910935003314)