Cryptocurrency: Opportunities and Risks in the Current Landscape

Q&A on Crypto in 2026: Insights from Michael Goldman By Jordan Jones, Fixed Income Advisor at Welford Capital | March 2026

In this edition, Michael Goldman shares balanced views on cryptocurrency amid evolving UK regulation and market volatility.

Jordan Jones: Michael, cryptocurrency has been a hot topic. What opportunities and risks do you see in the March 2026 landscape?

Michael Goldman: Crypto continues to mature, Jordan, but it remains high-risk and volatile. On the opportunity side, Bitcoin and others have shown strong long-term performance, and the UK is advancing its regulatory framework with new rules expected to bring more legitimacy and consumer protections. This could encourage institutional adoption.

Jordan Jones: How does the UK’s situation influence crypto investing?

Michael Goldman: The UK’s push for a comprehensive crypto regime—covering trading, custody, and stablecoins—aims to reduce fraud while fostering innovation. However, with ongoing geopolitical tensions and energy price spikes potentially affecting blockchain energy use, volatility is heightened. Inflation concerns and a cautious Bank of England stance mean crypto’s correlation with risk assets can amplify portfolio swings.

Jordan Jones: What risks should everyday investors be particularly aware of?

Michael Goldman: Extreme price swings, regulatory changes, and lack of FSCS protection are key. Many investors underestimate how quickly values can drop. We advise limiting exposure to a small percentage of a diversified portfolio—perhaps 1-5% for suitable clients—and only using regulated platforms as the new rules roll out.

Jordan Jones: Any practical considerations for those curious about crypto?

Michael Goldman: Educate yourself thoroughly. View it as a speculative growth asset rather than a safe haven. Dollar-cost averaging can help manage volatility. At Kingston Funds, we discuss crypto within broader asset management conversations, ensuring it aligns with overall risk profiles and UK tax implications.

Jordan Jones: Valuable perspective. Welford Capital clients benefit from integrated advice that weighs crypto alongside traditional assets.