Your Crypto Was 5% of Your Portfolio. After Bitcoin's Last Rally, It Was Almost 30%
6 min read
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6 min read
Bitcoin has climbed about 22% in the three weeks since 6 August 2026, from roughly $64,510 to nearly $78,750 (Fortune, CoinDesk, both retrieved 30 August 2026). If you hold even a small crypto position, a move like that does something the price chart alone doesn't show: it changes the shape of your whole portfolio. That's crypto allocation drift, and it moves faster and further than the kind of drift a normal stock or bond rally ever produces. A single sustained run can turn a modest 5% sleeve into 20%, even 30%, of everything you own, without you buying a single extra coin.
Allocation drift happens whenever the parts of a portfolio grow at different speeds, so the mix you started with stops matching the mix you actually hold. How Often Should You Actually Rebalance? covers the general version of this for an ordinary, diversified portfolio, where drift is usually slow: a stock sleeve might wander a few percentage points off target over a year.
Crypto doesn't play by that pace. Bitcoin can move that same few percentage points in a single week, and a full rally can compound that into a change measured in tens of percentage points, not single digits. The mechanism is the same as any other asset drifting; only the speed and size are different.
To see how big the effect actually gets, take a hypothetical Rp 100,000,000 portfolio split 95% into everything else and 5% into Bitcoin, starting on 21 November 2022, when Bitcoin closed at $15,787, its lowest close of that month during the FTX collapse fallout (StatMuse Money, sourcing Yahoo Finance historical data; consistent with CNBC's reporting of Bitcoin sliding to the same range that week).
To isolate what the rally alone does to the split, this example assumes the other 95% earns nothing over the same stretch, and that the rupiah value of the Bitcoin sleeve moves in step with its dollar price.
| Date | Bitcoin price | Crypto sleeve | Rest of portfolio | Total | Crypto share |
|---|---|---|---|---|---|
| 21 Nov 2022 (start) | $15,787 | Rp 5,000,000 | Rp 95,000,000 | Rp 100,000,000 | 5.0% |
| 6 Oct 2025 (all-time high) | $126,198 | Rp 39,970,000 | Rp 95,000,000 | Rp 134,970,000 | 29.6% |
| 6 Aug 2026 (after the crash) | $64,510 | Rp 20,430,000 | Rp 95,000,000 | Rp 115,430,000 | 17.7% |
Bitcoin's all-time high of $126,198 on 6 October 2025 (The Digital Chamber, U.S. News, cross-referenced) meant the coin gained roughly 700% from that November 2022 low. Nothing else in this hypothetical portfolio had to do anything for its crypto sleeve to go from a twentieth of the total to nearly a third of it.
The subsequent real crash, down to $64,510 by 6 August 2026 (Fortune, cross-referenced against CoinDesk's coverage of the same drop), cut the sleeve back down, but only to 17.7%, still more than three times the original 5% target.
Rebalance on a Schedule or Only When Your Allocation Drifts? tested a 5-percentage-point band on a 70/30 stock and gold split. For that portfolio, a 5-point band is a fairly small relative move. Applied to a 5% starting crypto sleeve, the same 5-point band means the trigger sits at just 10%, or double the original position. That is a much smaller bar to clear, and Bitcoin cleared it well before its 2025 peak.
By 24 October 2023, Bitcoin had crossed $34,000, more than double its November 2022 low (CNBC). Run through the same hypothetical split, the crypto sleeve was worth about Rp 10,770,000 against Rp 95,000,000 elsewhere, a 10.2% share, already past the band.
If you trimmed back to 5% right there, you would have sold about Rp 5,480,000 worth of Bitcoin into the rest of the portfolio, resetting to roughly Rp 5,290,000 in crypto against Rp 100,480,000 total. Riding the smaller position through the rest of the rally and the subsequent crash brings it to about Rp 10,030,000 by 6 August 2026, a total portfolio worth roughly Rp 110,510,000, with crypto back down to 9.1%.
If you never trimmed at all, the same portfolio ends 6 August 2026 worth roughly Rp 115,430,000, with crypto still sitting at 17.7% of the total, from the earlier table.
Put the two side by side and the trade-off is exact, not a matter of opinion: never rebalancing left about Rp 4,920,000 more in the portfolio, roughly 4.5% more than the trimmed version ended with. Trimming once left the portfolio carrying about half the crypto exposure the untouched version was still carrying by the end.
Neither outcome is a mistake. Rebalancing back to a target is a risk-control decision, not a way to guarantee a better return; when the asset you trim keeps rallying afterward, as Bitcoin did here, trimming costs you some of that further gain. What it buys you in exchange is a portfolio that never had close to a third of its value riding on one asset at once. Whether that trade is worth it depends on how much of a swing in your own crypto sleeve you can actually sit through, not on which path happened to end with a bigger number this one time.
The numbers above describe one hypothetical split, not your account. NetWort's Portfolio Health view on your dashboard shows your actual current allocation against your holdings, so you can see whether a real rally has already quietly pushed your own crypto sleeve further from your original target than you think. You can also track Bitcoin's own current price and recent history on its Asset Detail page before deciding whether your own split still matches what you meant to hold.