The crypto market is unpredictable, skyrocketing one year and plummeting 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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Here’s why she’s holding off.
Economic Uncertainty Is Still Shaking the Markets
We’re living through a time of economic instability, marked by rising inflation, fluctuating interest rates and ongoing discussions about a possible recession. All of these factors can have a ripple effect on investments, especially volatile assets like cryptocurrency.
“While many investors want to strike while the iron’s hot, waiting until 2026 to proceed with major crypto investments may be beneficial,” said Stoddard. “A period of greater inflation is predicted, and it may be worth considering waiting to see how interest rate adjustments affect your lifestyle and savings ability.”
It might be best to let the broader economy settle before jumping into an unpredictable market. By 2026, we’ll likely have a clearer picture of how interest rate changes are influencing the economy and whether crypto can remain resilient in a shifting environment.
Upcoming Regulations Could 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’s sustainable long-term. But that’s changing.
“As upcoming cryptocurrency regulatory changes have been announced this year, we’re also hoping to have a better understanding of crypto’s overall evolving framework,” Stoddard said. “With more concise guidelines in place, investors can likely reduce the chance of stepping outside of compliance.”
For many cautious investors, that level of clarity is worth waiting for.
Institutional Adoption May Strengthen Crypto’s Foundation
The crypto industry is maturing, and part of that growth involves large institutions entering the space. When big players join, they often bring stability and new opportunities for safer investing.
“Larger financial institutions are purportedly joining the cryptocurrency sphere. As more institutions adopt this alternative asset, crypto investments could possibly bring safer custodial options and even potentially better liquidity,” noted Stoddard. “This might also result in grander developments of blockchain technology, meaning 2026 could generally introduce stronger infrastructure to digital currency.”
Bitcoin’s Halving Cycle Needs Time To Play Out
Bitcoin halving historically influences Bitcoin’s price and stability. The last halving took place in 2024, and Stoddard says it’s too soon to understand how it will affect the market.
“Our last halving event took place in 2024, which typically means we may not be fully aware of crypto’s level of stability. While digital currency has acquired an upward trend lasting through 2025, we generally cannot know for certain 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 holds and how volatility patterns emerge.
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This article originally appeared on GOBankingRates.com: Here’s Why Investors Might Want to Wait Until 2026 To Make Any Big Crypto Moves, According to an Expert
