5.9 Investments 美国银行将于2026年起允许顾问向客户推荐1-4%的比特币ETF配置，标志着数字资产在主流投资组合中的机构化接受迈出重要一步。
美国银行已更新其财富管理政策，自2026年1月起，允许超过15,000名顾问通过特定美国上市的现货比特币ETF，向客户推荐1-4%的比特币配置。这一举措标志着政策发生重大转变，此前顾问仅在客户主动要求时才提供加密货币敞口，不会主动推荐。此举反映出机构对数字资产接受度的提升，使美国银行与摩根士丹利、富达等同行保持一致。顾问将根据每位客户的财务状况和风险承受能力评估适配性，最终决定权归客户所有。该政策旨在平衡比特币潜在收益与风险管理，因为研究表明适度配置有助于提升风险调整后的回报。预计该政策将加速数字资产融入主流投资策略，并可能引发监管层对比特币ETF的进一步关注。截至2026年1月5日，比特币价格为92,424.37美元，市值1.85万亿美元，市场占有率为58.66%。
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