The SEC is expected to decide today on approving the first US spot bitcoin ETF applications, after confusion on Tuesday when the SEC's Twitter account falsely claimed approval. For retail investors, the main question is whether to invest in a bitcoin ETF and how much to allocate. Strategists say only invest if you're interested in Bitcoin itself, and don't chase short-term hype. Recommendations for portfolio allocation range from 1-3% up to 5-10%, depending on risk tolerance. Investors should only put in what they can afford to lose without regret.