Topic: Bitcoin as a government approved retirement plan (Read 99 times)

ROI from Bitcoin investment decreases but it is good enough and it's better than gold, and surely outperform fiat currencies. Altcoins are too risky, risk of deaths when trend is no longer friend, and taking into consideration many possible investment assets, or pension fund storage, Bitcoin is the best.


Fiat currencies are not investment assets but if you consider it as storage channels, they are unsafe too, because they are too inflationary.

Bitcoin ROIs with years.
https://cryptorank.io/price/bitcoin/analytics

I'm not an US citizen, so correct me if I'm wrong.

I read that ETFs do exist in 401(k)s, but it's just not common. So, this mean they can include Bitcoin ETFs in their retirement plan, right? I doubt the government will offer the real coins when they already have the ETFs version.

Which mean people now have an option to invest in Bitcoin, it just depend on their choice whether they want or not.

Lets say the government indeed approved this retirement plan, are they able to protect the Bitcoin just as the exchanges not going to be hacked. And what will stop the government form declaring someone hacked the system and all BTC was taken?

Because to me this is the same as keeping your coins in the exchange or to the government in this case. We all see the corruption in the government, you think they won't steal your coins, send them to the mixers and then to their wallets?

If you want Bitcoin for your retirement plan, keep at least just few every payday. Maybe $100 every month. I think it will already be worth it when the price moves up after 10 years.

Where I see the advantage in the whole of this idea is the fact that it will be a super long-term investment plan and the fact that Bitcoin have come to stay will give room to these individuals subscribing for the bitcoin retirement plan option to benefit substantially from the system. Let's put into consideration what the potential growth of Bitcoin will be for the next 20 - 30 years then imagine the profitability of this. Again, the investment will be in DCA which means if things go wrong at a point, the individuals involved can decide to switch their plan.  

Although the potential of Dollar rising in the future is there and unless there's an emancipation of another global currency that could outshine Dollar in the future, dollar will continue to lead the world's transactions. Who knows if it would be bitcoin that will take over the space or the efforts of the BRICS will ever come into reality. As for the Nigerian Naira, we've only seen it depreciated over the years, so it is already risky leaving your retirement funds in Naira.

When you talk about volatility, I admit that there will be short-term effects and fluctuations like currently experienced, however, bitcoin is already an industry leader in the digital assets and financial technology, what will beat bitcoin is not yet in existence, maybe in the near future but for now, it will continue to lead and appreciate in itself over the long period of time.

Mind you, no one would be forced to invest their pension funds into bitcoin but that could be an option or alternative as stated by OP, so if I was given an option to choose, I will definitely go for bitcoin. I know such monumental progress in a country's financial institution will require  new set of policy implementation and public enlightenment to enhance the knowledge of the audience and beneficiaries to that effect.

it’s a good idea the government may push for this the upcoming retirees may also want it however i know for a fact some old people won’t be able to understand it fully and may be reluctant some companies may also be hesitant due to price fluctuations and paying for more than what is intended it can go both ways

I think that as long as governments are resistant towards bitcoin, such retirement plans are only pipe dreams. Although the US is working nicely to incorporate bitcoin, most other countries out there are still waiting and playing it from the grey area. They will follow US lines of action.

So for now, fiat is your best option while planning for a retirement. Dont forget that inflation still can catch up and make that entire plan useless, so if you dont like your job change it while you still have time, working on what you fell passionate about only allows you to accumulate more while you can.

While collecting bitcoin for the future will never be a bad idea so keep doing that and see how our half-brained politicians work things out.

The profit potential was amazing but the annual return on Bitcoin is starting to decrease and is no longer what it was in the past. When governments provide this option, then the price will be above $2 trillion or more and then the possibility of doubling the investment in 20-30 years will be x2 or x3.

Investing $1,000 in Bitcoin in 2013 for 10 years would have achieved a higher return than investing $100,000 from now for 10 years.

Fidelity ^{["largest 401(k) provider in the U.S"]} started offering it back in 2022 and unfortunately, it had and still has a high cap of 20%... If I were to go on that route, I'd limit it to 5 or 10% at max ^{[I love Bitcoin, but none of us can predict the future so I prefer to minimize the risks as much as possible]}: How Does the Fidelity 401(k) That Allows Crypto Work?

As an option for workers, why not? They should be given freedom to choose from a wide array of choices. What I'm worried about is the fact that the seed phrase is retained by the government, and for many years. That means not just somebody but numerous persons have access to it over time. The risk is too high.

Another risk would be that Bitcoin might not anymore be a thing decades from now. There is no guarantee that such retirement plan would have a mind-blowing potential in the end. It could actually mean that workers choosing that option would have nothing when they're old enough to retire.

This is a good idea but this can only happen in a nation that is Bitcoin friendly, if this kind of policy is implemented it will be so great and I know some set of people will go with it while some will be scared because of the volatile nature of Bitcoin reasoning being that if maybe Bitcoin falls there accumulated retirement money will also fall so some people who don't know the ability of Bitcoin very well will be scared to go with such policy but those who are already into Bitcoin investment and knows the potential of Bitcoin will gladly accept it, Bitcoin investment is a good investment and if maybe this policy is adopted by May government it will help improve the the value of Bitcoin and also make a lot of people who are interested in such policy become consistent in there accumulation journey, so imagine the government adopted such policy and someone who still has 30 years of working before his or her retirement decides to use such policy his retirement payment will be huge, I wish government will adopt this policy it will really help there citizens a lot especially those who understand the potential of Bitcoin and those who don't understand will do later after.

It's not their job and responsibility. There are pension funds that invest their money into Bitcoin and it has been existing for like last several years, not only in 2025.

The approvals of Bitcoin Spot ETFs in the USA and other countries make Bitcoin more easily accessible with many pension funds. It is like an opening gate for many funds exclusively pension funds to consider and spend part of their money into Bitcoin.
It's not responsibility of governments, and before a time governments do this, we need to see they have national Bitcoin reserves.

First UK pension fund allocates to bitcoin.
Why your retirement fund might soon include cryptocurrency.
Crypto hype costs Quebec pension plans $150 million.

As a strictly optional measure, at a first glance one could think that this could work, at least if the long term growth of Bitcoin continues. Basically, it would be like "the government should ensure I really DCA and don't panic in adverse situations". And it could be combined with the same benefits like a stock retirement plan like in Scandinavian countries.

Perhaps it has a "systemic" effect which could be negative in the medium to long term: Bitcoin has not the same effect than other assets pension funds invest into. This could lead to problems if it becomes too popular.

In particular, if the government invests in assets containing stocks, like ETFs, then it eases the access to liquidity to the companies which have emitted those stocks. This effect isn't present if it instead invests in Bitcoin.

On the other hand, it could also have a positive effect, as during stock market bubbles, it could drive away too much investment into stocks.

So as long as this "pension DCA" doesn't become a bubble itself, it could be feasible.

However, I can't repeat too often that there is no guarantee that Bitcoin continues to grow in the long term. Thus you never should organize your entire retirement plan on this model.

A few years ago, a retirement plan was introduced in my country for those who go on pension. At first, you were paying some percent of your salary every month and it was collected and you'd get it once you retired but since the inflation is very high in my country, they changed the strategy and now offer 3 types of pension savings. One type is the risky type, which means that your pension funds will be invested in risky investments like stocks and etc. The second is stable investment like gold and the third is no investment, i.e. you get exactly what the government collected from your salary.
In my country, there was a talk about Bitcoin investment. I think that the government plans to include Bitcoin with stocks for those who choose risky investment options but it hasn't been confirmed yet. So I believe this option will become available in many countries.

You know what.  If you want to invest in a retirement plan, maybe you should simply put your money straight into Bitcoin.  Why use Escrows or get the Government to be your middle man?

It may be very enthusiastic for some people.  Particularly for Bitcoiners.  But realistically, how many people who put money into Bitcoin acknowledge the risks involved?  If they decide to invest in a Bitcoin retirement plan, they have to know it may turn out very well or very bad too.  I do not know what to think of this.  A lot of people may involve themselves way too much without realizing the risks they are taking.

I really like this idea it would give employees more control over their retirement investments while allowing them to benefit from bitcoin's long term growth. If the government facilitates this properly, it could be a game changer for financial independence in retirement. Of course, btc's volatility is a concern, but over 20-35 yrs it has the potential to outperform traditional pension systems. I'd love to see more discussions on how this could be implemented in a way that balances both security and accesibility.

Bitcoin is profitable on a long-term basis and if the worker has a 20 years and above cushion before his retirement, he would be holding for long and his investments overtime must've experience the compounding effect of Bitcoin price appreciation, and would be much in profits, the volatility has much of it's effects on a short term basis, long-term is safer and more secured.

This will be a nice idea considering the wide range of acceptability in the crypto space right now and will also Foster the knowledge and involvements in the crypto market however
  The idea of pension is a safe, secured and almost zero risk savings for government workers, including bitcoin in that portfolio may to a large extent alter that originality of it as bitcoin is subject to fluctuations in value,
 Unless maybe there will be a way to stabilise the price of bitcoin or have insurance that will cover for inflation and price change otherwise I feel investment in bitcoin should be left optional to the investor

As the adoption of Bitcoin increases, I think it would be something worth implementing for the government to include Bitcoin as an option for workers to choose for their retirement savings.

Let's say as a worker, instead of the normal 401(k)s, 403(b)s for the US, State pension for the UK and CPS for Nigeria, the employee can choose Bitcoin for retirement savings. The government creates a wallet for such employee and adds the address to the escrow service used in paying those that choose Bitcoin for retirement benefits and sends the equivalent of the Fiat contributions monthly. The employee has the wallet address and can monitor inflows into the wallet on a monthly basis, but is unable to access the wallet since the corresponding seed phrases is retained by the government until his retirement period when full transfer of ownership would be initiated.

I feel Bitcoin enthusiasts would really prefer this option since it would be another opportunity for the government to be DCAing on your behalf and you're indirectly holding for a long period of time (20 - 35 years) or any duration of your active service as the case may be.

The profitability potential of such investment would be mind-blowing at the retirement of such employee, he can be able to live off his the investment of his active years of service. The value of his Bitcoin would be much higher compared with the what he should've had if he should receive fiat benefits.

This is just me thinking out of the box on other possible ways of accumulating Bitcoin, what's your thoughts on this?