Should couples invest in Bitcoin together or keep separate portfolios?

[milewilda]

In traditional finance, married couples usually opens joint bank account to manage money together. But when it comes to Bitcoin, things are are not always that simple. Should partners share a Bitcoin wallet like a joint bank account, or is it more smarter to just keep separate portfolios? A shared Bitcoin wallet helps builds transparency and can strengthen financial trust in a relationship. However, one big concern is security. If both partners got access to the same wallet and one of them falls for scam, all their Bitcoin could be gone forever.
Another issue is inheritance planning. If Bitcoin is held private by one partner and they pass away sudden without sharing access, the other one might struggle to get back the funds. And what if the couple ends up divorcing? That could turn into a whole different mess.

It’s a choice, and the level of trust which you are having with your partner will determine if you and your partner can share the same bitcoin wallet address. I have been in crypto for some time, but my partner doesn’t have much knowledge about bitcoin, so she doesn’t invest in bitcoin, but we are having a joint account. If she is interested in bitcoin investment, then we can just have the same wallet. She is my partner and I trust her, I don’t think she will even make attempt to touch the money.

If me and my partner are in control of one wallet, then I will be the one monitoring the wallet, because I have more knowledge about bitcoin than she does, so I just think it’s going to be difficult for me to scammed. I don’t think there will be any issues when it comes to inheritance, because i will definitely share the seed phrase with her even if I will be the one in control of the wallet.

The level of trust indeed on which this will really be that basing up on how deep your trust towards into your partner when it comes to money management on which we know that this will really be that totally having that kind of difference in between couples because not all will really be having that kind of deep of trust in between into their partners on which means that it will really be varying. Here on my case then i do really trust up my wife when it comes to money and making up such agreement and plans in between then this where we couples will be having that kind of adjustment. Speaking about crypto portfolio then it will that totally a solo thing for me because my wife isnt really that good when it comes to crypto or doesnt know that much even with the basics then this is why i do really that prefer on going with my own but i do let my wife do know about into the investment that we do have so that in case if there would really be some profits then we can be able to make some cash out. When it comes to keys then i do let her know, i do trust here when it comes to finances and some management of it on which if you do have dont that trust then you will definitely having the doubts. So it will really be that up to you on which one you will really be choosing into.

[batang_bitcoin]

Near perfect
Have a joint wallet account as partners and that shouldn't stop the individual partners from owning their separate wallet addresses.

This makes sense. You get to have exchange wallets, one name but two owners and both of you can access it. While no one can stop both of you from owning separate wallets for as many as you can. That's fair enough and I think partners are going to agree with that idea and it's better with that way while both have their passes if ever they wanna go ahead and exchange some.

[Cryptohygenic]

In traditional finance, married couples usually opens joint bank account to manage money together. But when it comes to Bitcoin, things are are not always that simple. Should partners share a Bitcoin wallet like a joint bank account, or is it more smarter to just keep separate portfolios?

It is not a bad ideal if couple have joint accounts or even a cooperative business but what matters most is trust.
If in terms of investing on bitcoin what we should consider is the source generating the investment funds because if they are both providing the money differently and inequality in sum, at a time of disbursing the funds after reaching investing goal might become problem for them because either the wife or the husband would want to claim he or she invested higher amount and are expected to earn more share. And besides issues may rise in the future when decides to Dca.
In a scenario like this I am think having different wallets seem best so everyone would always be sure that whatever value they holds is his or her own which will as well serve better at trust issues.
But if it was a corporative source that is generating the funds and they decides to go on investment plans a single wallet to serve as corporative account will be better and will agree in terms of Dcaing how the purchase schedules should be. It will also be  needful to operate in the multisig wallet so as to protect unwarranted transactions from one side.

[Crypto Library]

Looks like every men here have the same thoughts of having a separate account. I wanna know what a real female would think about this when they hear this from their husbands.

Are they going to get mad by hearing their partners want to have a separate portfolio for their Bitcoin holdings rather than entrusting each other with private keys?

That's gonna be some hard trust issues.

I don't think there is a need to create trust issues here because having separate accounts is more safe for both of them in every way those have already already said by  philipma1957. So there is no need for both of them to adopt bitcoin in one wallet just for the sake of trust.

This may just be an expression of emotion, but in the long run, I think most of these will be problematic, even if they own a joint wallet by multi-sig wallet. Moreover, it is not the case that if two people hold funds in one wallet, they will get any interest. So I think it is better to have separate wallets to eliminate the risk.

[GbitG]

This makes sense. You get to have exchange wallets, one name but two owners and both of you can access it. While no one can stop both of you from owning separate wallets for as many as you can. That's fair enough and I think partners are going to agree with that idea and it's better with that way while both have their passes if ever they wanna go ahead and exchange some.

Hmmm, that looks awkward!!! 
Why Exchange wallet, though? Did you forget about it, "Not your keys, not your Bitcoin". If their parents have intentions to have a joint wallet to keep Bitcoin for longe term then they need to create a multi-sig wallet because it will allow both of them to have access to their wallet as well as no one to be able to withdraw funds without the consent of others. It's also safer because through this they will be once own the key and phrases of the wallet.

Besides that, for personal investment, everyone has their own preference for whether they want to go for an exchange wallet or for a non-custodial wallet. It's is totally depends on your act, like it is up to you. But for a joint wallet, it would be better to go for a non-custodial multi-sig wallet instead of an exchange. So it will keep their funds safer...

[Obim34]

Looks like every men here have the same thoughts of having a separate account. I wanna know what a real female would think about this when they hear this from their husbands.

Are they going to get mad by hearing their partners want to have a separate portfolio for their Bitcoin holdings rather than entrusting each other with private keys?

That's gonna be some hard trust issues.

Love and trust your partner but do not put all your trust on them, don't be fooled by the display of honesty from any partner, even family are threats to your portfolio, always be active to know what to agree jointly and what to do separately.

Having a joint portfolio isn't a bad thing, there is a way were the wallet can be secured, both partners needs the attention of the other before being able to withdraw from the portfolio, shared wallet can be a preferred option for the partners. They are also free to own different portfolio outside the joint wallet, don't put all you got into one basket, it may fail at the end, learn to diversify your options.

[Issa56]

It stupid to have all your btc in a single spot.

things go wrong
fires
earth quakes
floods
 theft.

If you have bitcoin in a different wallet, and the wallet is kept in a house, then it’s almost the same thing as keeping all the bitcoin in a wallet. If a house is being affected by any of the disaster that you mentioned above, even if you have more than a wallet in the house, it’s going to be affected. So if you are having bitcoin in different wallets, maybe there is a way in which it’s going to be done so that all the wallets won’t be in a building. But the best thing to do is just to properly secure your private key.

[coolcoinz]

In my case, we don't share the wallet as the idea to get bitcoin was 100% mine. My wife had access to about a third of it for a few years but when the price went crazy in 2018 she was no longer comfortable holding it and asked me to move it to my wallet. At that time we had no hardware wallet so she was able to take her computer to work without worrying about security.

Should couples share? It depends. If you both DCA, you could as well do it in a shared wallet. That said, ask yourselves if you need constant access because I do not. I have a hot and a cold wallet and once in a while I move some funds to my hot wallet that I have on my phone and I use that whenever I need to pay using bitcoin, but 99% of my funds is on a cold wallet that we access maybe once or twice per year.

[bitzizzix]

If the husband and wife are truly committed and there are already regulations or agreements made to establish cooperation including an agreement if something unwanted happens, I think there is no problem, because as far as I know with the signing of this marriage certificate, then everything that is legal, financial, assets or whatever you produce then it belongs to both of you or jointly owned including Bitcoin. Even though they are separated there is no problem, so everything returns to them with the agreement and commitment of the shared Bitcoin goal and including the goal if together until the end of life without any interference from others including the husband and wife's family.

And so far I have never heard of a case of a husband and wife who have Bitcoin or a joint portfolio that is problematic, and yes or no but I have never heard of it.

[Y3shot]

Let every couple decide on this because it is not all couple that have strong relationship or bond very well with each other. if any couple bond very well and have good relationship within one another it will be easy to invest bitcoin together without any problems but if there is no good relationship i dont think their is any need to invest bitcoin together. there are some couples that are very close to one another, they  are so close that they cant do without one another, couples like this can decide to invest bitcoin together without any problems, to make everything short is that not all couples can invest bitcoin together in the same wallet.

[AYOBA]

However, one big concern is security. If both partners got access to the same wallet and one of them falls for scam, all their Bitcoin could be gone forever.
Another issue is inheritance planning. If Bitcoin is held private by one partner and they pass away sudden without sharing access, the other one might struggle to get back the funds. And what if the couple ends up divorcing? That could turn into a whole different mess.

Yes, the couple might invest in Bitcoin together because they are together and trust each other. There's nothing wrong with that if the couples investing together, but what you indicated earlier will be a major issue: which is divorced. Because if they are no longer together and one person holds the private key, there will be a big war, especially if the husband holds the private key; he will not want to release the private key so that they can share what they've invested so far with his wife, and if the husband refuses, and if he does not, they may cause a great deal of trouble by starting arguments between the bride's and groom's families.

[batang_bitcoin]

This makes sense. You get to have exchange wallets, one name but two owners and both of you can access it. While no one can stop both of you from owning separate wallets for as many as you can. That's fair enough and I think partners are going to agree with that idea and it's better with that way while both have their passes if ever they wanna go ahead and exchange some.

Hmmm, that looks awkward!!! 
Why Exchange wallet, though? Did you forget about it, "Not your keys, not your Bitcoin". If their parents have intentions to have a joint wallet to keep Bitcoin for longe term then they need to create a multi-sig wallet because it will allow both of them to have access to their wallet as well as no one to be able to withdraw funds without the consent of others. It's also safer because through this they will be once own the key and phrases of the wallet.

Besides that, for personal investment, everyone has their own preference for whether they want to go for an exchange wallet or for a non-custodial wallet. It's is totally depends on your act, like it is up to you. But for a joint wallet, it would be better to go for a non-custodial multi-sig wallet instead of an exchange. So it will keep their funds safer...

I think you've missed the last words that I have said and about making each of their separate wallets. If they wanna go and exchange the Bitcoins that they have from their separate wallets, they can use that for each other to see the recorded sales that they have. But on this, there could still have some trust issues because one that isn't registered their names on any exchange could find another one and have his/her personal exchange account there for liquidating purposes.

[philipma1957]

why not just both? usually married couples have shared money that they can use for the family and then they also have money of their own in which they can use to anything they want

i believe that that is the most ideal scenario here just because you are married does not mean you can't invest on your own as well we still need individuality and privacy even when married so if you could afford to do so then just have both the joint and separate portfolio but know that everything is for the better of the family

A joint bank account in Bitcoin would be called a multisig wallet.

Just make two keys, give one to each spouse and set up a 2-of-2 configuration where both keys are required to sign off any transaction before it can be spent, and suddenly you don't have these problems anymore.

Someone came up with a 2/3 multi signature wallet, the problem became who will be the 3rd party. I think the 2/2 is the best solution. The times where problem could arise willbe;
1. Death of one partner
2. Separation of couples
Death of one a partner carries the much worry.

In traditional finance, married couples usually opens joint bank account to manage money together. But when it comes to Bitcoin, things are are not always that simple. Should partners share a Bitcoin wallet like a joint bank account, or is it more smarter to just keep separate portfolios? A shared Bitcoin wallet helps builds transparency and can strengthen financial trust in a relationship. However, one big concern is security. If both partners got access to the same wallet and one of them falls for scam, all their Bitcoin could be gone forever.
Another issue is inheritance planning. If Bitcoin is held private by one partner and they pass away sudden without sharing access, the other one might struggle to get back the funds. And what if the couple ends up divorcing? That could turn into a whole different mess.

It’s a choice, and the level of trust which you are having with your partner will determine if you and your partner can share the same bitcoin wallet address. I have been in crypto for some time, but my partner doesn’t have much knowledge about bitcoin, so she doesn’t invest in bitcoin, but we are having a joint account. If she is interested in bitcoin investment, then we can just have the same wallet. She is my partner and I trust her, I don’t think she will even make attempt to touch the money.

If me and my partner are in control of one wallet, then I will be the one monitoring the wallet, because I have more knowledge about bitcoin than she does, so I just think it’s going to be difficult for me to scammed. I don’t think there will be any issues when it comes to inheritance, because i will definitely share the seed phrase with her even if I will be the one in control of the wallet.

It stupid to have all your btc in a single spot.

things go wrong
fires
earth quakes
floods
 theft.

if your partner invests and you invest separate accounts are safer.  you could also have a joint account

i have a joint account with my wife and we have seperate accounts.

Near perfect
Have a joint wallet account as partners and that shouldn't stop the individual partners from owning their separate wallet addresses.

Well I am in the USA and the USA has a lot of lawsuits. Having 3 sets of money is important.

joint
wife alone
husband alone.

gives protections from lawsuits to some degree.

I drive
I own the car.
God forbid I hit a person and get sued bigly.

My wife and I will not get wiped out.

Damaged financially yes but wiped out no.

[BALIK]

Looks like every men here have the same thoughts of having a separate account. I wanna know what a real female would think about this when they hear this from their husbands.

Are they going to get mad by hearing their partners want to have a separate portfolio for their Bitcoin holdings rather than entrusting each other with private keys?

That's gonna be some hard trust issues.

What I'm thinking is that if they get angry and talk about this with their husbands, it's probably a lot better than if they do the same thing in silence. What if wives also started to build their own plan B? They will start neglecting housework and children, and look for ways to earn money to build their own savings and investment fund just like their husbands are doing. That will cause family happiness to begin to crack and breakup is inevitable. If the husband can do it, why can't the wife? Has anyone thought about this?

Yes, many men here have the same thought about having a separate account, but I want to know, are these guys married or never married? I would be surprised if any girl married these men when they knew what kind of guys they were.

[Gaza13]

Let every couple decide on this because it is not all couple that have strong relationship or bond very well with each other. if any couple bond very well and have good relationship within one another it will be easy to invest bitcoin together without any problems but if there is no good relationship i dont think their is any need to invest bitcoin together. there are some couples that are very close to one another, they  are so close that they cant do without one another, couples like this can decide to invest bitcoin together without any problems, to make everything short is that not all couples can invest bitcoin together in the same wallet.

It would be nice if we had a separate wallet, not that we don't trust our confidants at least to minimize things we don't want such as fraud or other things. Even though we have separate wallets, we still support each other with the same goal of building trust and respecting each other for a common goal. With a model like this, couples can support each other in their investment journey, while still maintaining the security of each other's assets.

[Hewlet]

if you believe having a joint account as a couple is okay with you, then there is no reason why you can't have the same Bitcoin wallet as a family savings wallet. if not for the fact we are now dealing with marriages that dont have a clear plan of staying together forever, it is normally ideal to have a joint account that a certain amount can be collectively deposited monthly that will serve to meet the needs of the family in times when it matters most.

having a joint wallet does not mean that a single party can not have his wallet where he/she gets to manage how he /she goes about it. it is the same thing with having a joint account, even with that joint account, the wife or husband is expected to have their individual accounts while the joint account serves as the family account. the wife should build her portfolio, same with the husband and collectively, they can DCA a certain amount into the joint wallet for long-term holding.

[goldkingcoiner]

I would personally not trust anyone else with my portfolio but that is just me because I see no upside in such blind trust, born out of the illusion of romance. If anything, all there are to this are downsides which include you losing your Bitcoin. Especially during arguments or break ups.

And good luck proving who took the Bitcoin.

[FortuneFollower]

I would personally not trust anyone else with my portfolio but that is just me because I see no upside in such blind trust, born out of the illusion of romance. If anything, all there are to this are downsides which include you losing your Bitcoin. Especially during arguments or break ups.

And good luck proving who took the Bitcoin.

Seems reasonable too - it's about the person in question.
Because you can't put all the trust even in your closest ones - because when it comes to money, there is no guarantee in anything. I would only look at it as a heritage setup of sorts.

[aoluain]

Near perfect
Have a joint wallet account as partners and that shouldn't stop the individual partners from owning their separate wallet addresses.

This makes sense. You get to have exchange wallets, one name but two owners and both of you can access it. While no one can stop both of you from owning separate wallets for as many as you can. That's fair enough and I think partners are going to agree with that idea and it's better with that way while both have their passes if ever they wanna go ahead and exchange some.

Indeed this does make sense, both can agree on inputting the same amount each to the wallet and
treat it as a fund for the future or retirement or house renovation or whatever.

TBH I would imagine that most couples have a joint account and personal accounts in this modern world.


The OP's question in the thread title "Should" as if either option is the absolute must which I believe
as do others agree that there is no absolute requirement or law - it should be fluid scenario or agreement.

I can also understand in certain societies Women do not enjoy full control of their own lives ^{which is
totally ridiculous in this day and age} so a joint Bitcoin wallet is not going to be an option anyway.

[batang_bitcoin]

Near perfect
Have a joint wallet account as partners and that shouldn't stop the individual partners from owning their separate wallet addresses.

This makes sense. You get to have exchange wallets, one name but two owners and both of you can access it. While no one can stop both of you from owning separate wallets for as many as you can. That's fair enough and I think partners are going to agree with that idea and it's better with that way while both have their passes if ever they wanna go ahead and exchange some.

Indeed this does make sense, both can agree on inputting the same amount each to the wallet and
treat it as a fund for the future or retirement or house renovation or whatever.

TBH I would imagine that most couples have a joint account and personal accounts in this modern world.

That's likely in most married people in the world, they have joint accounts and conjugal properties and investments. It makes sense on how they're going to make themselves comfortable on each other since trust is no longer an issue. But maybe for new couples, they're going to have some debate first before agreeing in making one account for their crypto holdings. It all sums up that everything can be talked about and negotiate on the terms that both party are going to agree with.