Bitcoin News Today: Ray Dalio Recommends 15% Gold/Bitcoin Allocation to Hedge U.S. Debt and Fiat Risks

Billionaire investor Ray Dalio has reiterated his recommendation for a 15% allocation to gold or Bitcoin in investment portfolios, emphasizing the role of these assets as hedges against macroeconomic risks. The suggestion, made during an interview on the “Masters of Scale” podcast, aligns with Dalio’s broader concerns about the U.S. debt crisis and the erosion of fiat currency value [1]. Bridgewater Associates founder warned that the U.S. government’s fiscal trajectory—spending 40% more than it earns, with debt six times annual revenue and $1 trillion in annual interest payments—poses systemic risks that markets have yet to fully price in. He argued that such conditions could trigger a market downturn, particularly if the Federal Reserve expands quantitative easing or government control over monetary policy intensifies [2].

Dalio’s 15% allocation recommendation positions gold and Bitcoin as “hard money” assets to counteract the devaluation of traditional reserves. While he acknowledged Bitcoin’s finite supply and transactional utility, he expressed skepticism about its long-term viability as a reserve asset, citing concerns over privacy, regulatory vulnerabilities, and the potential for technological obsolescence. In contrast, gold is viewed as a more reliable store of value due to its established role in central bank reserves and its lack of transparency in transactional data [3]. Dalio disclosed that he personally holds a small amount of Bitcoin, acquired in May 2021, but maintains a stronger preference for gold in his own portfolio [4].

The market has interpreted Dalio’s remarks as a validation of Bitcoin’s growing institutional relevance, despite lingering doubts about its adoption by central banks. Analysts note that the 15% allocation threshold reflects a strategic shift toward diversification in an environment of fiat currency instability. This aligns with broader trends of institutional inflows into Bitcoin and declining exchange-held supply, which have contributed to bullish momentum for the cryptocurrency [5]. However, Dalio’s cautious stance underscores the ongoing debate within the financial community about the merits of traditional versus digital assets as inflation hedges.

The timing of Dalio’s comments coincides with heightened macroeconomic volatility, including uncertainty around U.S.-China trade dynamics and Federal Reserve policy. With the Fed anticipated to maintain rate stability despite political pressure for cuts, investors are increasingly prioritizing defensive strategies. The 15% allocation to gold and Bitcoin may reflect a broader defensive posture as trade agreements and monetary policy shifts continue to shape market dynamics [6].

Dalio’s advice does not constitute a forecast but aligns with market sentiment emphasizing diversification. Analysts suggest the recommendation could influence retail and institutional investors to reassess exposure to non-correlated assets, particularly as fiat currencies face structural challenges. The interplay between traditional safe-haven assets and emerging digital alternatives remains a critical theme for portfolio construction in the current economic climate [7].

Sources:

[1] [Billionaire Ray Dalio Urges Investors to Allocate 15% of ...](https://www.reddit.com/r/CryptoCurrency/comments/1mbimvv/billionaire_ray_dalio_urges_investors_to_allocate/)

[2] [Ray Dalio Says 15% In Bitcoin Or Gold May Be Essential ...](https://www.benzinga.com/crypto/cryptocurrency/25/07/46653821/ray-dalio-says-15-in-bitcoin-or-gold-may-be-essential-as-fiat-currencies-face-devaluation-risks)

[3] [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/)

[4] [Ray Dalio Recommends 15% Portfolio Allocation to Bitcoin ...](https://coinpedia.org/crypto-live-news/ray-dalio-recommends-15-portfolio-allocation-to-bitcoin-or-gold/)

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

[6] [Forex Signals Brief July 28: Data Tsunami as Fed, BoJ, GDP & Tariffs Line Up to Shake Markets](https://www.fxleaders.com/news/category/articles/)

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