The crypto market is unpredictable, skyrocketing one year and falling the next. While some investors are rushing to make their next big move, Gina Stoddard, chief of staff at Broad Financial, is choosing to wait until 2026 before making any major cryptocurrency investments.
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That’s why she’s staying.
Economic uncertainty still shaking the market
We are living through a period of economic instability, including rising inflation, fluctuating interest rates, and ongoing discussions about a possible recession. All of these factors can have an impact on investments, especially in volatile assets like cryptocurrencies.
“While many investors want to strike while the iron is hot, it may be beneficial to wait until 2026 to move forward with major crypto investments,” Stoddard said. “A period of higher inflation is predicted, and it may be worth waiting to see how interest rate adjustments affect your lifestyle and savings capacity.”
It may be best to let the broader economy settle before jumping into an unpredictable market. By 2026, we will likely have a clearer picture of how interest rate changes are affecting the economy and whether crypto can remain resilient in the changing environment.
Upcoming regulations may bring more clarity
One of the biggest risks in crypto investing has always been the lack of regulation. This uncertainty often leaves investors guessing about compliance or whether it is sustainable in the long term. But that is changing.
“As upcoming cryptocurrency regulatory changes are announced this year, we are also looking forward to a better understanding of the overall evolving framework of crypto,” Stoddard said. “With more concise guidelines, investors can potentially reduce the chances of falling out of compliance.”
For many cautious investors, it is worth waiting for that level of clarity.
Institutional adoption could strengthen crypto’s foundation
The crypto industry is maturing, and part of that growth includes the entry of larger institutions into the field. When big players get involved, they often bring new opportunities for stability and safe investment.
“Larger financial institutions are reportedly getting involved in the cryptocurrency space. As more institutions adopt this alternative asset, crypto investments could potentially bring safer custody options and potentially better liquidity,” Stoddard said. “This could result in widespread development of blockchain technology, meaning that 2026 could offer a robust infrastructure for digital currency generally.”
Time required to complete Bitcoin’s halving cycle
Bitcoin halvings have historically affected the price and stability of Bitcoin. The last halving occurred in 2024, and Stoddard says it is too early to understand what impact it will have on the market.
“Our last halving event took place in 2024, which generally means that we cannot be completely aware of the level of stability of crypto. While the digital currency has achieved an upward trend by 2025, we generally cannot know for sure that this will extend into the new year.”
Waiting until 2026 gives you a full cycle of post-halving data. You’ll see whether the rally sustains and how volatility patterns emerge.
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This article originally appeared on GOBankingRates.com: Here’s why investors may want to wait until 2026 to make any big crypto moves, according to an expert
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