News & Views

Bitcoin: A Crumby Way To Save For Later

Exhibit 1: Bitcoin vs. Stock Market – How Often Have They Dropped? 
Source: Dimensional. Past performance is not a guarantee of future results. 

Credit: Dimensional Fund Advisors

What This Means 

Bitcoin might feel exciting, but the numbers tell a different story. It’s been extremely unpredictable, making it a shaky option for long-term wealth. 

At Wells Gibson, we focus on purposeful wealth planning, not hype or headlines. We believe your money should be stored in a way that gives you peace of mind, not sleepless nights. 

What’s a Smarter Option? 

While Bitcoin may have a place in conversations about digital finance, it doesn’t yet offer the reliability needed to protect and grow wealth. 

That’s why we help clients build calm, clear plans, rooted in evidence, not emotion.

If you’re unsure where your money is best held, or if you’ve invested in high-risk assets and feel uneasy, it may be the right time to seek a second opinion. 

At Wells Gibson, we’re here to help you feel more confident about your financial future.

Important Information and Disclaimer

The information in this blog is provided for background information only. It is not intended as financial or investment advice, or a recommendation to buy or sell any financial product. The content is based on sources believed to be reliable at the time of writing; however, Wells Gibson makes no representations or warranties as to its accuracy, completeness, or ongoing relevance.

Any opinions expressed are those of Wells Gibson and do not constitute a formal investment recommendation. Before making any financial decision, you should consider whether it is suitable for your individual circumstances and, where appropriate, seek professional advice.

Investments involve risks. The value of investments, and the income from them, can go down as well as up. Past performance is not a reliable indicator of future results. There is no guarantee that any investment strategy will be successful.

This content may include or reference third-party materials, including those published by Dimensional Fund Advisors. Any such references are for illustrative purposes only. 

Unauthorised reproduction or distribution of this content is not permitted.

Wells Gibson is authorised and regulated by the Financial Conduct Authority. All content reflects our views at the time of publication and may be subject to change without notice.

“If you want to save something for later, the thing you store it in needs to be reliable.” 

We all know the importance of keeping something safe if we want to enjoy it later. But not all storage is equal. A crumbled cracker in a pocket is no good at snack time. 

The same goes for your money. Many are asking: Is Bitcoin a smart and reliable way to store wealth? 

 

Safe Investment or Just a Gamble? 

Bitcoin has made headlines—but also caused headaches. Its value has jumped and dropped sharply, many times. 

Since 2010, Bitcoin has dropped: 

  • More than 10% in value 27 times 
  • More than 30% in value 10 times 
  • More than 70% in value 5 times


In comparison, the broader stock market (the Russell 3000 Index) has been far more stable.

While dramatic returns may make Bitcoin appealing to some, long-term wealth should be built on stability, diversification, and evidence-based strategies—not speculation.

A Quick Comparison