Is Cryptocurrency Still A Good Investment? (2026)

It feels like the news has been nothing but bad lately, especially when it comes to discussing and predicting cryptocurrency prices. But is cryptocurrency still a good investment?

Whether or not cryptocurrency is a good investment for you will depend on several factors, like your risk tolerance, budget, and living circumstances. Read on to learn more about why crypto is crashing and when (and if) it will ever bounce back.

Why is Crypto Crashing in 2026?

Unfortunately, the economy is bad pretty much everywhere around the world and in all industries. This isn’t just because of massive political turmoil, oil prices, and fiscal uncertainty, but also because AI is taking jobs around the globe.

Even Crypto.com ended up laying off around 15% of its workforce in March 2026—something which was a huge blow to morale in a group that should support cryptocurrency blindly.

While we can’t say for sure what started this current crypto winter, we can tell you what has perpetuated it—fear. The world went crazy for cryptocurrency in November 2024 with the election of Donald Trump in the United States. Many companies went all in on crypto, spending money to create investment vehicles, reward cryptocurrencies, and more. These same companies, when crypto crashed in late 2025, didn’t have the resources prepared to weather a crypto winter—many choosing instead to shrink or end their programs prematurely.

As you can imagine, this led a bad event to snowball to become something even worse, which increased the panic and resulted in more personal and business sell-offs. As you can see, this resulted in a vicious cycle that has continued, leaving Bitcoin stuck below $75,000 per coin, when it was almost double that just last year.

What’s worse is that the passing of cryptocurrency legislation in the United States has stalled, leaving those who were on the fence in a prime place to bail rather than wait for something which may never come to fruition.

Should You Invest in Cryptocurrency?

It is our opinion that cryptocurrency has always been a hedge against inflation—meaning it is a good thing to buy even when it feels like the world is collapsing. When you see Bitcoin falling in price, you should see it as a sale rather than a crash, buying more whenever you can afford to when prices are low.

Which brings us to our next point: while we do think it’s always good to invest in cryptocurrency, you should only do so if you have the funds available. We don’t think it’s a good idea to loan money to invest, or skip paying something important like your rent—cryptocurrency is too volatile for that. But if you have an extra $50 at the end of each month, we do think putting it to work as an investment in crypto is a good idea.

Now, before you get too excited to spend your extra $50, it’s important to note that not all cryptocurrencies are created equal. Before you buy, take the time to research which ones have low risk and are a good fit for your investment style. Ensure you make informed decisions so you don’t find yourself stuck with a token you don’t believe in and can’t sell.

Which Cryptocurrencies Are Good Investments?

There are thousands of cryptocurrencies out there, and the reality is that only a small fraction are good investments. We generally recommend only considering tokens that make the top 25 on CoinMarketCap.com, with a few exceptions. If you don’t have time to dig through the details on 25 tokens, not to worry, we’ve done the work for you.

1. Bitcoin

We want to be clear; all crypto investing is risky. But Bitcoin is one of the lower risk options just because of its popularity and use cases. Of course, you could still lose everything, but we find that unlikely at this point. We also believe we are still in the early days of the true store of Bitcoin.

2. Ethereum

After Bitcoin, Ethereum is a relatively stable and transparent project, with a creator who is still around and actively working to make the platform better. While Ethereum has hit some struggles in the last few months, we really do believe they have a firm base set up to weather crypto winters that other projects just don’t even consider.

3. Solana

While Solana is a decent alternative to Ethereum and fits a similar place in society, we do worry about the future and longevity of this project as crypto winter continues. That being said, for those with a medium risk tolerance, this is definitely something to consider.

And that’s unfortunately the end of the list. While there are other projects that might be a good investment for you, we start to get into a more personal territory—the recommendations wouldn’t be good for a large audience and would depend specifically on your risk tolerance and portfolio. So, if you don’t want to consider the ones listed here, head over to CoinMarketCap to learn more about a project you do want to invest in.

When Should You Buy Crypto?

Although we started this article by advising you to treat crypto winter like a sale, it’s important you don’t wait and try to time the market. Unfortunately, it is never clear when a good time to buy is, and nothing is certain. Rather, we advise investing a small amount each month consistently and focusing on time in the market rather than timing the market.

Overall, the current crypto crash is caused by a large number of global economic factors, and we doubt it will bounce back anytime soon. That being said, we still advise investing as long as you have the cash to do so. Just ensure you take the time to establish your risk tolerance and choose to invest in a cryptocurrency that matches. Invest a small amount each month and build your portfolio over time. And remember, if it sounds too good to be true, it probably is.