yes—consider adding some ETH, but not necessarily a full extra 5%. If your crypto sleeve ends up BTC-heavy (e.g., 60–70% BTC / 30–40% ETH) you’ll keep Bitcoin’s “hard-asset” profile while giving yourself exposure to smart-contract growth (DeFi, tokenization). Given your plan for 5% in BTC, I’d suggest +2–3% in ETH if you want measured upside; +5% (equal weight) only if you’re comfortable with higher tech/regulatory risk.
Why add ETH at all?
- Real utility is scaling: tokenized money-market/T-bill funds and other RWAs are growing quickly on public chains—BlackRock’s tokenized fund (BUIDL) crossed $1B in AUM in 2025, and estimates put tokenized RWAs >$20B this year. That’s real, sticky demand for blockspace/liquidity.
- Simple access: U.S. spot ETH ETFs began trading July 23, 2024 (e.g., ETHA, FETH, QETH, etc.), so you can own ETH in a brokerage, same as BTC ETFs.
Addressing the safety critique you quoted
- “Smart contracts are risky.” True at the application layer: DeFi hacks/scams caused $1.49B in losses in 2024 and were already >$1.7B YTD by Apr 2025. That’s a risk of using DeFi apps—not of holding ETH itself—but it does affect sentiment/flows.
- “PoS centralizes power.” Concentration is a valid concern, but staking is becoming less concentrated: Lido’s market share has fallen to ~24% (record low), while other providers and solo staking have gained—directionally improving decentralization.
- PoS security mechanics: Ethereum’s PoS slashes misbehavior and uses an inactivity leak to recover finality if large validators go offline; attackers need significant stake to disrupt the chain, and they can be penalized economically. (Design trade-offs differ from Bitcoin’s PoW, which remains the benchmark for simplicity and resilience.)
