Is It Too Late to Buy Bitcoin? Why Experts Say No — and 4 Ways to Start Investing Now

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Bitcoin has come a long way from its early days of trading for mere cents. With its price surging past $108,000 — fueled in part by macroeconomic shifts and heightened political interest — many investors are asking: Is it too late to buy bitcoin?

The answer, according to several Wall Street experts and institutional investors, is a resounding no. Despite the eye-popping price tag, many believe we’re still in the early innings of bitcoin’s adoption curve. The next phase could bring even greater value as more institutions, governments, and individual investors embrace it as a strategic asset.

👉 Discover how early movers are positioning themselves in the evolving digital asset landscape.

Why It’s Not Too Late to Invest in Bitcoin

Samara Cohen, Chief Investment Officer of ETFs and Index Investments at BlackRock, recently emphasized that the period leading up to mass adoption may offer the greatest future return potential. This sentiment is echoed across financial circles — even at $100,000 per coin, bitcoin could still be undervalued relative to its long-term trajectory.

Robert Cannon, a financial advisor at Experity Wealth, compares today’s market to early-stage investing:

“We're basically in the beginning, even though $100,000 seems like a high number.”

He suggests allocating 1% to 10% of your portfolio to cryptocurrency, depending on your risk tolerance. The key, he says, is getting in before institutional capital fully floods the market.

There are already signs of broader adoption on the horizon. Countries like Argentina, grappling with inflation and currency instability, are exploring bitcoin as a strategic reserve asset — a move that could trigger a ripple effect across emerging economies.

Bill Miller IV, CIO at Miller Value Funds, calls bitcoin “digital gold” due to its scarcity, durability, and decentralized nature. Like physical gold, it’s not tied to any government or central bank, making it an attractive hedge against inflation and currency devaluation.

But let’s be clear: bitcoin remains volatile. Sharp price swings are part of its DNA. That’s why experts stress the importance of education, risk management, and strategic entry points — not speculation.

With increasing legitimacy — from spot bitcoin ETFs to discussions about a national bitcoin reserve in the U.S. — the asset class is transitioning from fringe curiosity to mainstream investment.

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4 Proven Ways to Invest in Bitcoin Today

Whether you're new to crypto or expanding your portfolio, here are four practical methods to gain exposure to bitcoin — each with different levels of control, complexity, and risk.

1. Centralized Cryptocurrency Exchanges

For most beginners, centralized exchanges offer the easiest entry point. Platforms like Coinbase, Kraken, and Gemini allow users to buy, sell, and store bitcoin using traditional fiat currencies (USD, EUR, etc.).

Even if you don’t have enough capital to buy a full bitcoin (which exceeds $100,000), these platforms support **fractional purchases** — meaning you can invest $10, $50, or $500 and still own a piece of bitcoin.

Some mainstream brokerages now offer direct crypto access:

However, not all brokerages support crypto trading. Firms like Charles Schwab and E*TRADE currently do not offer this feature.

👉 See how simple it can be to start building your digital asset portfolio today.

2. Decentralized Exchanges (DEXs)

Decentralized exchanges operate without intermediaries, enabling peer-to-peer transactions through blockchain technology. They appeal to purists who value privacy and full control over their assets.

As Bill Miller noted:

“If you own bitcoin on a centralized entity, you force someone else to buy it on your behalf — but you don't actually hold the bitcoin.”

On DEXs like Uniswap or PancakeSwap (though primarily for altcoins), users trade directly from their personal wallets. However, these platforms don’t support fiat-to-crypto conversions, so you’ll need existing cryptocurrency to participate. They also come with steeper learning curves and complex fee structures.

While powerful for advanced users, DEXs are generally not recommended for beginners.

3. Bitcoin ETFs (Exchange-Traded Funds)

The launch of spot bitcoin ETFs in January 2024 marked a watershed moment for crypto investing in the U.S. These funds trade on regulated stock exchanges and provide indirect exposure to bitcoin without requiring users to manage private keys or wallets.

How they work:

Top-performing spot bitcoin ETFs include:

There are also futures-based ETFs, such as ProShares’ BITO. However, these track bitcoin futures contracts rather than the spot price and may diverge significantly during volatile markets.

Robert Cannon recommends ETFs for newcomers:

“It’s just like if they bought a stock.”

This simplicity makes ETFs one of the safest on-ramps into the space.

4. Bitcoin-Adjacent Companies

You don’t have to own bitcoin directly to benefit from its rise. Many publicly traded companies are integrating bitcoin into their balance sheets or supporting the ecosystem through mining operations.

Notable examples:

Additionally, investors can tap into the network via bitcoin miners:

These companies run large-scale data centers that validate transactions and earn newly minted bitcoins as rewards — profiting both from operational growth and asset appreciation.

Frequently Asked Questions (FAQ)

Q: Is buying bitcoin at $100,000+ still a good investment?
A: Many experts believe we’re still in the early stages of adoption. While price is high compared to the past, long-term fundamentals suggest further upside as institutional and national adoption grows.

Q: What’s the safest way for beginners to invest in bitcoin?
A: Bitcoin ETFs are widely regarded as the safest entry point. They offer regulated exposure without the complexities of wallet management or private key security.

Q: Can I buy less than one bitcoin?
A: Yes. Most major platforms allow fractional purchases, so you can invest any amount you’re comfortable with — even $10.

Q: Are decentralized exchanges better than centralized ones?
A: DEXs offer more control and privacy but require technical knowledge. For most new investors, centralized exchanges or ETFs are more practical and secure.

Q: Does owning a bitcoin ETF mean I own actual bitcoin?
A: No. With an ETF, you own shares in a fund that holds bitcoin — not the underlying asset itself. You won’t have access to private keys or direct ownership.

Q: How much of my portfolio should I allocate to bitcoin?
A: Financial advisors often recommend between 1% and 10%, depending on your risk tolerance and investment goals.

👉 Learn how top investors are navigating this new era of digital finance.

Final Thoughts

The narrative that “you missed the boat” on bitcoin is misleading. While early adopters reaped massive gains, the ongoing shift toward institutional acceptance, regulatory clarity, and global adoption suggests we’re entering a new chapter — not the final one.

Whether through ETFs, direct purchases, or strategic stock plays, there are more accessible and secure ways than ever to invest in bitcoin. The key is starting with education, understanding your risk tolerance, and choosing a method that aligns with your financial goals.

Now isn’t too late — it might just be the beginning.