Topic: Create a self-pension found with BTC. (Read 725 times)

I think that's a relevant number if we have an income of approximately $700 per month it will feel very comfortable and that value is also suitable if we save it whether as regular savings or we want to invest it which is definitely routine and disciplined if possible. in the end if we remember we are safe.

Of course, it will be very risky if we choose to invest all the funds we have in an asset, as you said very appropriately, it will make someone have to start again when experiencing failure in the investment they are running.
Choosing to be able to invest in some parts will indeed be better and it will certainly be able to give profits when we experience failure in other investments and for now choosing to invest in Bitcoin is very good for the future and when we have made a profit from it then we can take some of the benefits that we have got to try to start investing according to the skills that we are well mastered.
You are right, if you think that you only focus on one type of investment, then we may miss the opportunity to make a profit from other investments and this may not be possible for us to repeat it on another opportunity and choose to be able to run several investments at once will certainly be better, but we must master it well in order to be successful in running investments.

Yes certainly to retire as a successful man is having so many other physical investment outside from your Bitcoin investment because if I'm not mistaken almost all the successful people nowadays has different types of business they are currently running and the income is coming from different places, however this is even better because when a person has diverse business they have established it helps them a lot to even achieve any amount of Bitcoin they want and still remain very wealthy because they have a multiple income generator, though is not bad for someone to only have Bitcoin as there only investment but however I have realized that it would make things more better when an investor consider establishing a physical investment attached with there current Bitcoin investment because that way they will certainly enhanced there financial growth.

However I would like to ask if you have an idea about more other lucrative physical investment outside from real state because I would like to no because I love collective ideas so that it will help me to advise others who is in need of physical investment they could choose.

And that is why investors have long ago come up with the word Diversification. And if we reveal the full concept, then it is Risk Diversification. Of course, you know that you can't put all your eggs in one basket. Therefore, in order to retire calmly, you should hold different assets, and these should not only be crypto investments, but also stocks, physical money and gold. And it is good if there are assets like real estate.
 After all, then you can be sure that if some assets fall in price, others will most likely grow. This view gives confidence that old age will be provided.

No matters if majority still doubting the potentials of Bitcoin, they will see what happen to Bitcoin later and in the future. They will only regret not joining in Bitcoin like other people and will difficult to survive when they are pension. Bitcoin doesn't need people like that because they will not believe in Bitcoin even if they see many successful investors around them.

We can not force them to think about Bitcoin and make their investment in Bitcoin. That will be personal decision to decide to invest in Bitcoin so we can let them like that without worry.

I see that thing happen to people who almost retiring and say that they want to invest in Bitcoin. If they can directly use some money for their Bitcoin investment, they will see that they are not too late and still have time. But if they don't want to do that, they will really too late to start.

Investing all your funds in one investment asset doesn't make for a good business decision-making. The stakes leaves you vulnerable that you can fall down to square-one in the event that things go south. Bitcoin is one great digital investment asset the 21century is blessed with, however while we investing in it we also venture into other physical investment for retirement 

Also, when we give too much focus on one form of investment we are likely to miss other investment opportunities that we would have augmented in expanding our profit as we diversify to both online and offline investments.

Well, investing $100 a month is more than enough but only if a person can constantly do that for 2 or more decades because life doesn't stay on track all the time, there will be ups and downs, and one might not have a job in between, and if he does, he might not be earning enough to take care of the expenditures and still be able to spare that much money, but if one can do that constantly, it will surely have great value after a couple of decades, for sure.

I'm pretty sure that a person would have way more than 2x of what they have saved in all these years because we know that the price of cryptocurrencies, specifically Bitcoin, tends to increase in value over time, and after each cycle, there might be a new all-time high, and by that time, the value will be way higher than what it is today.

So, the person saving up for so many years will surely have more than $76,000, and they can start a business with this money instead of just spending it.

The problem is majority are still doubting the potentials of bitcoin. They won't risk their hard-earned money in a volatile investment like bitcoin. And even if there are also quite significant number of successful investors who have been hodling bitcoin, still some people are still in denial that bitcoin can be sustainable in the long run. Unfortunately, they will only realize the true potentials of bitcoin when they are almost retiring which I think the duration for investing won't be totally enough.

They are only just a job seeker, and that means they don't have a job yet. So they shouldn't think in advance and say that what they will do once they retire. Even for those who already have a job, this is still not their concern but the main concern of the workers are the working environment or the tasks that are given to them. Retirement says it all, and that is they will just relax after it. I'm sure that each company who are able to hold an employees long enough can always give a benefit to them. So, they do have nothing to worry about.

Even though we don't know the future, we can't help but to think about it and try to make a plan for it. It's just that we are lacking in resources sometimes. So don't say that employees are very late when it comes to these things. You said this is part of the long-term plan, therefore 30 years of holding is still acceptable and this isn't just a normal holding or investment anyways but it also serves as our pension or retirement fund. Even if we see it that way, it is still a lot of time but time gets faster if we will not focus on it. There are still people that wants to slow down time because they think it is fast enough and they still want to enjoy their remaining time left here on earth.

I don't think you know what you're talking about, financial advisors are everywhere, they sell insurance and stuff and there's no way that they're not going to be selling to everyone if there's an opportunity to do so, financial advisor is a broad term anyway plus they're just like real estate agents, they're everywhere and do you see those agents discriminating and only helping out multimillionaires? I don't think so. Maybe what you're talking about are those hedge fund managers, those are the people that are really for multimillionaires or maybe we just live in a different country that we have a different interpretation of what a financial advisor is, and I like to also add that there are financial advisors in social media already so it's not like there's no access to these type of people as they used to be.

It is wise to start planning for retirement early, and the idea of using a self-pension fund combined with DCA is pretty attractive. On the other hand, fixed monthly savings may not consider increases due to inflation, which could take a big bite out of the purchasing power of your savings after some time. Because the rates of inflation have mostly been jumping up and down these past years, long-term projections are less predictable .

Also, a 2x return in 30 years is not quite realistic due to the volatility of markets. Not all times we experience upward movements in stock markets, and these may affect your returns. A more diversified investment approach can help you better against risks. A plan chalked out early is good, but its flexibility is quite necessary for accommodation of changing financial circumstances.

Having an investment is important for all people so they can prepare their future. But not all people get the right investment and make a profit in the future. So that is why people need to search for the right investment and start to saving their money in that investment.

If they know Bitcoin, they can start to use Bitcoin for their investment. They can use DCA method to start accumulating Bitcoin while they are still working and have the salary. They can use certain percentage to be saved in Bitcoin while they can use the other money to fills their daily needs.

25-30 years is enough for them to invest their money in Bitcoin. When they are retired from their work, they can check their investment and sell it if the Bitcoin price increase. But they can sell their Bitcoin before 25 years especially if they see Bitcoin price increase so they can take the profit and change their life to be better than before.

Assume you invest with DCA strategy with $100 monthly, this website has a calculator for you.
$100 monthly will become $3,700 in total investment capital for 5 years. Multiplying it with 6 to have a total investment capital for 30 years, it will be
$22,000 is total investment capital and with an assumption that Bitcoin continues its adoption and price growth, we will have very good ROI for investment, and have enough money for early retirement.
https://casebitcoin.com/

The yearly candle chart is very bullish.

Early Retirement planning It is a very smart move at your end in career-related activities. Free time with financial security Early stage Not only makes an informed decision to build up but also gives one a good foundation for the future ahead. The DCA-related concept to create one's own pension fund is a smart move. Especially for long-term savings By setting aside a percentage of income, say 10%, and investing it over a period of about 25-30 years, one builds a pattern of disciplined saving that can produce some decent returns.

It will show savings and solid growth. In 30 years, $100 can be a huge sum of money that would grow into $72,000 if it's valued right. This is how disciplined saving reduces the shocks caused by market fluctuations. It will further help ensure you are always building wealth to retire.

Even though the timeline may seem long, But when you look at that timeline as a planned and focused approach toward future security, it becomes doable-it really does begin early. Not only will it give your money more time to grow, but your investment more time to grow. But it helps spread financial responsibility over time and makes it less of a burden in the long run. Finally This strategy will ensure ultimate financial security and peace of mind upon approaching retirement years. The more critical this aspect is, the reason early and consistent planning is so important.


You are absolutely correct that no one is quite sure about what the future might hold for Bitcoin and how flexible the financial sector needs to be. The record of the past ten years of Bitcoin history shows tremendous flexibility and promise. There is however a very important fact; it is assured that the future of Bitcoin will remain affordable. However, which offers opportunities as well as threats

It makes total sense to structure a traditional pension and invest in Bitcoin and other assets. Using only one asset, for instance, Bitcoin, is pretty high risk. Especially when you're close to retirement. A traditional pension plan would be a great basis to have in retirement, while Bitcoin and other investments will help drive the growth of those dollars.

By maintaining a properly diversified portfolio and utilizing a blend of traditional and alternative investments in order to control all overall risks. Enjoy better control over market fluctuations. And, attain a safer financial future for you. This approach exactly fits early planning, and you are assured that your retirement savings are enough to face all types of market conditions.

Bitcoin, The future and uncertainty. This uncertainty problem is the main problem when we keep BTC as a retirement fund. Regulated Bitcoin does not yet have legal recognition for the world. This is very different from Gold, land or property. The three names have world recognition, they have value, and even become the country's foreign exchange reserves. So I think we can take advantage of the value increase to sell some parts of Bitcoin and invest in the 3 things I mentioned, Gold, land or property. So Bitcoin is an intermediary for other forms of investment.  CMIIW

There are two ways to think about this.

We still dont know what bitcoin will be in future. It can be both good and bad and hence the dichotomy. Considering the decade of bitcoin, so far so good and hence I guess the things will continue to be good. But if you are the diligent investor who tries to manage the risk you will have a conventional pension system like a job provides and keep bitcoin at the same time.

No asset should be your 100% focus, specially when it comes to the older age.

Yes, that's right and maybe we will try to adjust it so that the discussion looks more interesting and similar discussions will make more perfection when continuing to discuss. An independent retirement plan using bitcoin will be much better because it can maintain the value of the currency that people have compared to using the money that is stored in the bank. There are many retirees who do not know how to use the money other than just to meet their living needs and in the end the money will run out because it cannot generate profits.

DCA is a good foundation to apply because someone has the opportunity to accumulate according to the desired target. In this way, people can balance between spending needs and the investments they want to make. Bitcoin will continue to grow and develop in the future by investing retirement money in it will provide maximum benefits for people.

Starting early to prepare and save towards retirement is smart thinking. The Dollar-Cost Averaging (DCA) system is a brilliant one because with it anyone with the will to do it already knows the "how" to do it. Even though you mentioned saving 10% of income, I think that even 3% can works too so long as the person stay consistent and disciplined to ways the goal. The % of monthly savings could be adjusted based on the individual discretion on the economic factors.

I like the whole concept of investing in bitcoin for your retirement but I wouldn't only put my money into bitcoin for that long because perhaps we don't know what bitcoin be in the nearest 10 years but I know how solid my investment could be if I put in such discipline in buying lands and landed properties even though this my statement is biased based on where I leave.

My whole idea is never to put all you eggs in one basket even though I love the concept of bitcoin I wouldn't only put $100 into bitcoin for over 30 years of employment inside I will figure out a way to keep investment in real estate and still keep a spot bitcoin too.

In the end,  the context is about DCA investing in bitcoin and indeed i agree with that because in the end what I am doing now by investing and doing DCA schemes which is one of the strategies that I have done in the last few years is for the better long term.

Even though maybe when talking about pension funds it is still too far away for me at the moment but in the end this is not a problem because in the end this becomes an option for me to do because my initial plan only has a term for at least 10 years but when it can go further in bitcoin and even until when I retire then why not because in the end this becomes optional because the most important thing in this case the goal must be based on strong confidence to stay in the investment that we do.

 Returning to a person's point of view and every thought, those who continue to work and think about their future retirement by having other actions outside of their permanent job will slowly move on to continuing to develop side jobs that were prepared when they were an employee or person. who had a fixed income before he was declared retired.

However, for those who live with broader insight with increasingly extensive information technology and know about cryptocurrencies such as Bitcoin and have been involved since they were working, I think they will tend to look at cryptocurrencies and develop themselves in search of income after they become retirees.

Let say for someone like me who work and earn in bitcoin, on a few occasions when I am approached to make an alternative investment as most people around me thinks that I am too involved with my bitcoin accumulations, despite the fact that I am not yet satisfied with my level of bitcoin buying from my physical work salaries and as holding all my signature earning in bitcoin, it still not enough for me to say I can retire happily even though I want to retire early, but those who doesn't have my level of knowledge thinks that I need an alternative business.

But what they failed to know is that, having bitcoin alone is a life time investment that we should pay closer attention to in most cases because in so doing we can easily monitor our Bitcoin starsh to be able to accumulate more than we spend in most cases.

A lot of threads have been created regarding this matter. No doubts we can create self-pension with Bitcoin by DCA strategies, and it will give a good return at the end of a job or business when we will become older. If we see the Bitcoin records, we can realise how Bitcoin was growing from the beginning and still it's growing rapidly. We can set a goal according to our income and deposit on a monthly basis. We must store it securely. Even if we can buy Bitcoin ten percent of our income for a future pension, it would be enough to survive the rest of our lives. Just need to take a step up. 

Anyone who considers investing in bitcoin as a retirement plan doesn't need to bother about volatility. A retirement plan is not something that is done in a haste, it is  a long term plan and with that, good returns is guaranteed only if the investor will be patient and consistent.

Those who should avoid using bitcoin investment as a retirement plan are those who would want to invest just few months before retirement and those who are not disciplined. This group of people would  end up with losses or very little returns which is as good as not investing at all.

Diversification in investments transforms an investor into an ideal investor. One thing must be kept in mind before investment, money cannot be used for investment which is necessary for a person. Always choose to invest money that you will never need. Your aim will be that you are throwing away this money worthlessly, where there will be no thought of profit or loss. With such a plan you will never be disappointed with your investment.

You can use various investment methods for investing. If you have the ability, you can start investing in Bitcoin for the long term, the duration of which you decide according to your plan. If you invest as a career retirement plan then the duration will be more than 25 (in this case the duration will depend on your career). In other plans you plan for at least 4 years. Besides Bitcoin you can invest in fiat at different levels, which will be profitable for you (depending on your skills) and where you feel comfortable. Diversification in Investments If one of your investments fails, another investment can make you successful.

a good idea if bitcoin is used as a support for a worker's retirement in the future, just imagine if a worker sets aside at least $ 50 per month from his salary to be allocated to bitcoin then in the next few years, the figure will increase many times over of course with the DCA method, things like this must be educated by the government because their job is to make the people prosperous, especially the working class.

This is actually a smart decision going into DCA with bitcoin for maximum of 30 years, and then you will gain life-changing amount of returns. That is if you won't be bothered with its high risk due to volatility and market uncertainty.

Because if we are talking about a regular employee here, the fact that you are investing your hard-earned money, then you have to gain assurance that you won't lose them in the end and blame yourself for being not cautious.

Bitcoin is a high-risk asset, so as much as possible we need to take the highest caution to avoid regretting our wrong decision made, and for that, I suggest diversification is the key. Invest in bitcoin, but invest as well in real estate, stocks or even in small businesses that will give sustainable profits in return.

Hearing about retirement plans with Bitcoin is an interesting thing to do if it has been planned. For me, it needs to be done for one goal that everyone wants. The goal is that hard work while working can be enjoyed even though fiat experiences a decrease in value.

The percentage calculation that you describe to set aside from income is minimal with the hope that what will be obtained will be maximized later. If today the price of Bitcoin is traded at $ 60k and we can collect Bitcoin continuously below the price of $ 100k, then the return will be very satisfying. But don't force it or have to be enjoyed without being burdened at any price before it's time to cash it in.

Workers who have excess salary may not mind if they have to set aside some of their salary to save in bitcoin. For workers who have a mediocre income, they may not be able to save in bitcoin in the long term, most of them invest in bitcoin only for a few months or a few years because there are things that make them have to take their savings for sudden needs such as, home renovations, vehicle repairs or for medical needs to the hospital. So in my opinion, only workers who have a large salary can save Bitcoin for their retirement.

I agree with what you say, and that is why op's strategy cannot be called a 'pension plan', it should rather be called an investment plan for the future. Pension has to do with low risk, so that at retirement, the person would have funds to live for the rest of their life if possible. BTC is risky, not just in its volatility, but also on how good the owners security is, if you are storing BTC for a long term and you do not know how to safely store your funds, you can easily lose it to attackers and the consequences will be costly.

As long as he know how to manage and protect his private wallet, he will not have a problem and can avoids a serious problem. Investing in Bitcoin need understanding about many things such as how to do that, what they need to prepare, how long they can do that and others. If they want to learn first before decide to invest in Bitcoin, they will have a time to prepare everything including considering how much money they can allocate in Bitcoin investment. Self pension fund will work good after they retired but only if they know how to prepare their money from now on. If not, they will only get a difficulty when he retired and will also difficult to survive or fills his daily needs. They must still fills their daily needs when they retired so that is why they must be good in managing their money from now on.

In government jobs, normally government takes over the responsibility of the person during the retirement period. And for this, governments have already opened savings accounts for that person. Where a portion of that person's salary every month is credited to the government treasury. In the same process, if a person keeps depositing some part of his monthly salary in Bitcoin, especially in DCA, then he can definitely multiply his deposit much before 30 years. Everyone knows how much Bitcoin has grown since its discovery and anyone can guess where it will go in the next 15 years. Everyone tries to save something for his future. Those who are intelligent are able to anticipate the state of future and they take decisions accordingly.

Yes I also think Bitcoin is good investment but we need to be careful and think long term. Holding Bitcoin for long time can lead to big returns but we need to understand risks too. Good way to invest in Bitcoin is to use strategy called DCA which helps us invest little at one time over many years. It is also very important to keep our investment safe by protecting our private keys and seed phrase. If we do not control our keys we do not really own our Bitcoin. By remain careful and patient we can potentially make money from Bitcoin while avoiding big losses.

Pension funds shouldn’t be treated as investments, so putting them into Bitcoin, even gradually, remains very risky. We shouldn’t get too hyped about Bitcoin’s future with the idea that massive adoption will send its value skyrocketing. While that might happen, what if it doesn’t?

We need to manage our risk carefully, no matter how confident we are in Bitcoin. There’s a reason Bitcoin is called a high-risk investment. If you believe in it, like @goldkingcoiner said, don’t put all your eggs in one basket. That’s a golden rule in investing.

Bitcoin is one of the best investments that anybody can go into in this crypto age. It's a long term investment and the longer you hodl the more ROI that it'll accumulate for you. DCA method is the best strategy to accumulate Bitcoin for as many years as you can into your retirement. You're your own bank and pension administrator, only you have keys to safeguard your coins on the Blockchain. This is why it's very essential that you hide your private keys and seed phrase in different safe locations because if you lose these keys your Bitcoin can be lost forever. Leave your Bitcoin in a none custodial wallet where you're the sole custodian because it it's not your keys it's not your coins.

The calculation is very good, for people who already know Bitcoin so closely, they may have implemented the plan consistently by setting aside 10% or more of their passive income to invest in Bitcoin as a retirement fund when they are no longer productive. The main benchmark for long-term investment plans should be based on the price of Bitcoin when it was first launched in 2009, since then, Bitcoin has experienced a rapid increase, starting from a fraction of a cent to an all-time high.

Although Bitcoin's price journey has been far from smooth due to many negative issues that can cause price declines, including the Covid19 pandemic, Bitcoin's roots are very strong because it has generated profits of more than 230% over the past decade. This plan is actually not bad because it will be very profitable if it is able to hold it until the specified time limit. However, it needs to be accompanied by other investments that can be used whenever needed without having to interfere with the main investment.

OP this is a good retirement plan. The plan is more realistic than someone who wants to invest in bitcoin at the end of his career. There’s no way you would hodl bitcoins for 20-30 years and not realize profit. Just look at bitcoin price history.

  The thing is that someone should do what it can do, for itself, because is obvious that anyone who is depositing in one particular wallet as it's pension with bitcoin, one day problem might come around it's corner and  he will not really know when it will make a withdrawal, it will be difficult before you can see someone who will agree to have or make pension by itself through bitcoin, what we are saying is totally different from investment, investment in bitcoin is something that I know very well that has to do with understanding and strategies but for pension not everyone can reserve bitcoin as pension for long-term

That's a nice plan and suggestions, of which I so much love it, because one of the beauty about saving such long term fund is Bitcoin is that just as the price of Bitcoin skyrocket gradually, so will your income skyrocket too within the stipulated timeframe you intend to hold it, which is far better if that same fund to to have been save in fiat bank, as not only would you not have gotten your exact savings amount, but a deduction to be charged as fees, unlike in Bitcoin whereby your intended $36,000 could skyrocket to almost over $200,000 in next 25yrs to 30yrs.

So Bitcoin is literally the best alternative for long term investment

OP never said that you should put all your funds into bitcoin for the future because he specifically said 10% of your income which I believe should be part of your discretionary income after you must have taken care of your monthly expenses and needs. Some people who are working for long at the office will not have time to run around on setting up a business and running around to maintain the business, this is why investing that 10% on bitcoin is good because it is very easy to buy bitcoin. You should not also forget that the prive of bitcoin increases overtime and when you buy bitcoin every week at $100 for 30 years, your compounding profit will be bigger than whatever business you want to save $100 to set up.

Including bitcoin in the pension plan is a very good idea, because you can't rely on an official pension. With the improvement of the level of medicine and health, life expectancy has increased, and the birth rate is falling (if you don't consider some countries with the opposite effect). Everyone knows that the money in the pension fund is formed from salary deductions. With each decade, less money comes into the fund due to the reduction of the working population, and more pensions have to be paid due to the increase in the number of people of retirement age. Money can't come out of thin air, which means there is no hope for a future pension, which can be canceled or made small. And here comes bitcoin, which can be used to form an alternative pension. But there is one point that is not known how to solve. The working population is forcibly obliged to make pension deductions (implemented by the employer), therefore, part of the salary will go in this direction. By creating personal alternative pension savings in bitcoin, it turns out that you pay twice (to the official pension and to the BTC-pension). Ideally, it would be great if there was an opportunity to transfer official pension savings to bitcoin, but no regulator would want to deprive themselves of your money.

Plans must be made carefully, especially if they are related to pension funds that will be invested in investments. Most people who are going to retire are over 60 years old so they don't really understand how to invest in bitcoin so that learning is needed especially because what is feared is that they will lose their pension money. The plan you make is good, but it takes consistency for people to carry it out so that nothing unwanted happens in the investment journey process.

DCA can be done to maximize pension salaries in running investments and everyone can create a certain period in making the amount of investment. The idea will be very sustainable if someone is consistent because this is how they can collect bitcoins slowly without ignoring other needs as a life support.

Honestly I consider any smart investment as a a good self pension fund. But as always, dont put all your eggs into one basket. Good investment decisions are not simply made overnight.

for those in the public service, a portion of thier salary is already going into that and they wouldn't consider it necessary to still split the remaining portion that's left into another investment choice except they are earning quite a good amount of money. If you're self employed, making plans for retirement is very essential but the way I look at it is that while making the plan, it should be more about creating systems in place that will continue to generate income for you till you've retired so you wouldn't have to work all the days of your life. Bitcoin investment is a good option with sweet feature that allows you to do it using a very small amount per time and build it up to the point you're sure your retirement benefits is surely guaranteed. Apart from investing in Bitcoin, it's also essential that if you're a business person or one that's in a particular field, you make the best out of your active days so in addition to your Bitcoin portfolio, you can still have an alternative source to rely on. Even though Bitcoin investment is good for The long run, setting it out for retirement plan is still a bit risky since we can't really be too certain of the position of Bitcoin in the next 30 to 40 years time when we might have exited the sphare of active service and would want to start enjoying the dividend of our investment.

Honestly, life is very unpredictable and I had to learn it the hard way. Whatever you have right now might not be permanent so you always have to think of the future and be prepared for anything that is about to come.
I was already planning on saving some money for my retirement. It’s the right thing to do. At a certain age, if you still have no savings then I think you just wasted a lot of your years. Anyway, after being heavily included in crypto I realized saving is just not enough. I need to invest in something that would make my savings double in size without me having to actively work for it.

The money I would save now would not have the same value 10-20 years later. It would value less because of inflation but if I hold it in bitcoin, it is highly possible that it will double in amount or maybe even more.

Do you have a financial advisor in the first place?

Financial advisor isn't for Average Joe, it's only for multi millionaires. Having financial advisor when you don't really have a lot money is just wasting your money, his fees could be higher than the return from your investment.

We're not talking about self proclaimed financial advisor that not want to be responsible with the loss if they make a bad decision/mistakes.

We certainly can't tell what the future holds for BTC, but am sure there's still more coins to be mined until BTC completes its 21 million coin mark before anyone should be scared what next, or unless there's a crash which is unlikely, then this idea of pension sounds no different from what DCA strategy of investment represents.

The bottom line is that, discipline, money or cash flow is needed to maintain such a plan and even if one may be willing or able to diversify their portfolio a long the way, the pension plan would be safer with a hardware wallet, a good advisor of whom could be a financial advisor or possibly a broker.

Need to note that BTC will be harder to grow in term of price once it reached certain massive amount of market cap, like if BTC is as big as gold in term of market cap, I doubt it could always double its ATH every 4 years, the money need to come from somewhere else and such growth isn't sustaining, so I don't think just calculating based on the hypothesis that BTC always double every 4 year doesn't seem to be right.

I'd be more invested to see BTC growing to $1 million at some point rather than chasing the idea of BTC keep doubling every 4 year all the way until 30 years in to the future since it just doesn't seem to be logical to me. but bitcoin reaching $1 million with its limited supply is very logical.

I suggest not doing the planning all by yourself because if you ask me, it's definitely going to be a bad idea because you're not going to be able to cover all of the stuff that you're supposed to cover especially if this isn't your forte or anything like that, definitely recommended for everyone to get yourself a financial advisor, they will definitely help you straighten things out so you can breathe easy and deal with it the easy way, thinking alone what to do with your retirement is a hard thing to do especially if you're also have a stressful work or a work that needs all of your attention, it's probably for the best if you give the job to the professionals.

That's the most common reasoning, which is to be applied by setting aside regularly each of the shows, if we have a fixed monthly income but of course the amount can change and vary in its implementation because we have to calculate in detail how much estimated the need for funds needed for daily life first, then find the exact value that does not interfere with other needs to buy BTC with DCA.

Of course, this is very good and is another positive side where we also have a dream when we are old that we will no longer have to deal with making money, where the age factor is enough to affect all our activities, both health and others.

You don't need odd jobs for that; you need to have a source. But if it is helping you and that's the only thing you're having as a source of income then why not whether it's odd for as long as it is legal?

This is the reason why many are overworking and that is because the future stress might be gone. I agree that don't overwork but we can't help it when people are too workaholic and they have the drive to do that because they have goals trying to reach like first, owning a btc and having a good future.

Your idea is not bad, but how possible is it? Take note that pension is already deducted from ones income before it is paid, now it is going to be harder for such a person to channel another portion of their income into BTC, especially if they do not earn so much. This strategy is suitable for people who earn well and who also earn from different sources, they can use one source of their income to build a portfolio in BTC.

25-30 years is also a very long time and it is hard to predict what the far future holds for BTC, it is also likely that the person would sell their BTC on the way if they see a chance of making good returns on investment.

It is always best to find alternative options to generate income as one source can hinder you with some decisions. Look for maybe odd jobs to augment some of your basic needs so you can add more with your savings.
But in my opinion, don't overwork yourself as stress can eat you alive and you may not enjoy your savings because you will suffer some diseases or of that sort.

One way also is to reduce your expenses.. Listing can help you figure out which expenses can be removed or reduced. Play the technique of what things you need to basically survive decently. No need for luxuries as you don't need it in your life. Reducing expenses alone will give you breathing room when it comes to savings or available funds.

It's a good plan but that amount you have projected for the entire run of this savings won't be enough depending on the longevity of our remaining lives in this world. Considering inflation and such, things will surely be expensive and more expensive after 25-30 years. But I know that it's only a projection and calculation and while you're working on your self-pension fund, you should also be working for some passive income that you'll be able to build. While working on your job and getting 10% out of your salary there, work for another side hustle and that's where you'll be getting your money for establishing something that will generate you passive income and so, you still have continuous cash flow and you won't only be reliant to your pension money by the time you retire.

Well well, this is something we have discussed on this board several months ago from a thread that I created myself, and I must say that I completely agree with you, it is commonly said that things like this are better or easier said than done, but one thing I do believe is that, it take zeal and determination to succeed in anything we want to succeed in in life, nothing good comes easy and that's for sure.

Personally, I feel self pension will be too difficult to do though, because as long as the person will always have access to the fund, it's practically impossible to save that money monthly and watch it grow from a few hundreds of dollars to thousands, and then to tens of thousands without ever withdrawing from it for 25 to 30 years, this is very hard, as good as impossible.

What I believe will work is if pension managers will start accepting bitcoin as an option for clients to choose and save in, this way, the client doesn't have access to their money until the retirement age.

That's the issue especially when you're dealing with civil servants who work for the government and are not self employed or work with the private sectors. Already, their pensions are being arranged according to the civil service guidelines on what percentage of their salary is taken from them and stored into their pension accounts and how they can later take from it plus the spread. So, this may not be applicable to these category of people.

Secondly, those who are self employed or work with the private sector and may wish to pay themselves some pension funds while they are still working, the cryptocurrencies may not be their best bet because not may of them can be patient enough to bear the volatility of the market and the uncertainty of how it can turnout to be in the nearest future. I think for many, it will be a thing of using stable platforms maybe stablecoins who may be more reliable as to the worth and value of what they're investing through the DCA approach  or so

This your idea seems smart, but if closely cross-examined, you will understand that it could also be dumb idea if bitcoin doesn't obey you. We all know that bitcoin is disrespectful and doesn't obey anyone. You could just cold your USD and wait forever and $17k won't just come. By then you will live in a perpetual regret of missing a great opportunity of investment.

It is absolutely fine to go in with DCA, the worse scenario is that you won't run into massive profits, but in the other hand, you'll likely not run into massive losses.

As long as you have a good plan and strategy, it will be good for long term hold. Although the amount of returns would diminishes over price as the price is going to be very expensive and it could be very hard to get in the next 30 years as Bitcoin supply have been 'almost mined', current mined is almost 21M.

And then you will really need to have mental toughness to go to 30 years or not touching it. For the majority it is very difficult, unless you are really that resilient. So as long as you can buy, accumulate, hold, it might be good to do that but don't think of it as your pension fund, just pure investment and you will be good to go. You might be better still with a pension plan set up for you.

DCAing on btc is always a smart idea. Put 10% of your monthly savings to btc and come back 10 years later. You will be amazed with the results. The main problem with this plan is that people always check the prices. They just can’t stop with this habit. The best part is that, it is never too later to start because you ain’t going all in. There are 10 years ahead of you and you are putting only 10% of your income. This is a plan which cannot lose in the long term and you will he very happy in the end.

As long as you create this fund alongside the one you receive from your regular job for your retirement, I do not see anything wrong with it, however we need to be realistic as well, as we get older the expenses we have regarding our health can explode if we do not take care of our bodies, so enjoying our retirement is not only about being careful with our finances, we need to take care of ourselves as well, so when we get to that age we are as healthy as we can be and save ourselves a lot of pain and high expenses.

Isn't a pension fund a scheme which gives us pension after we retire ?
In this case, consider that we have accumulated a decent amount until our retirement but after that how are you planning to get a pension out of it ?
You should have mentioned that as well. It is achievable by withdrawing the amount at regular intervals.
We can also withdraw a significant portion of the corpus and then invest it into a SWP(Systematic Withdrawal Plan) which will give us an illusion of getting a pension.
If we manage our SWP well then we will be able to save the capital while still getting the pension.
So yeah, the option is good considering the fact that we are DCAing bitcoin for a long term.

Bitcoin pension fund is definitely a good idea if the person investing, can stay invested for longer period of time. People need to understand that Bitcoin is not a get-rich-quick scheme. It needs patience to make big money from anything and Bitcoin no exception.

But I wouldn't suggest to keep all savings into one single asset. Bitcoin is good but at the same time, we also need to consider real world stock and precious metal investing. That way, the portfolio will get support if anything bad happens to Bitcoin.

Investing in Bitcoin in the long term, for example 25-30 years, makes Bitcoin volatility lower. You can see how Bitcoin's history and try to compare from year to year Bitcoin's volatility is getting lower and it is estimated that in the future it will be lower and more stable. So making a plan like this is not a bad thing, because besides being able to put their money in assets that have the potential to increase more, they are more flexible in managing how much money they need to set aside for their retirement.

Stocks return pre inflation are 7%, this roughly means doubling every 10 year.
Basic math with interest rates puts this at over $110,000a bit more since I rounded it annually.
Also for a guy who before retiring, so this means entry-level, he has a wage of $1000, at 2% inflation, this means around $1700, so your savings would be worth around 4 years of entry-level paychecks, hardly anywhere in the ballpark of living comfortably as a retiree.
Putting it in perspective, you've started working at 20 for $1000 a month and you saved enough for $200 a month for your old age 30 years later!

Unless you're aiming for something x200 your wage in savings at the start of your retirement you will never get close to a life without worries.


Never gets old:

2x is realistic, I meant it's not realistic to expect it every 4 years for the next 30 years. 

My bad, I should say time deposit instead of savings account. Time deposit gives you 4%-7% APY, if we calculate for 30 years, you only need to find time deposit that gives 5% APY in order to double your money. Of course inflation rate is the problem, but it seems @OP didn't care with that.



IMO it's realistic.

In 2018 and 2021, Bitcoin making 5x-10x from the last year and the last super cycle Bitcoin made 3x. So, expecting 2x return is realistic.

Well Your statement in the first paragraph was decent but the second paragraph I don't think it's a nice one. What if you keep waiting for btc to dump before you buy and yet it keep increasing, does it mean you will wait forever? Although Bitcoin is volatile meaning we can take advantage of the dip in price to buy more, but we shouldn't  forget the fact that as it dips so does it rises. we can't neglect the rise and only think of the dip. This reason is has made Most people have lose interest in BTC investment or where unable to invest in due to disappointed because when you expect btc to dip to your satisfaction before buying them it keep appreciating and you feel it to expensive to buy. The slogan says yesterday was the bet time to buy and today is another best best time to buy. So you should think of combining the strategy by not focusing only on buying dip, you can answell implement the DCA and the lump sum to make it a complete investment strategy.

You should think of a more realistic figure because btc has surpassed the $17k WMA. Like I said if you only think of BTC price to dip to the old price of bitcoin  before you invest, you may find it difficult to inves or feel left out.

In some professions there is a possibility that for 1 year of work they get 1.5 years in terms of the time needed to retire - but in ordinary professions people need 40+ years to retire. Maybe the rules are different somewhere, but in Europe people can usually retire at the age of 65, although there are plans to raise that limit to 67.


People "save" for retirement because the system forces them to do so, and I think there are few who would be persistent for 30+ years to maintain such financial discipline. Of course, something like that is not impossible, but you should always keep in mind that we don't know what the future will bring, so it is always wise to invest only what we are ready to lose.

It wouldn't be a bad plan but people are already forcefully paying for their retirement plan out of their income.
I doubt many people would be into lowering their income by any percentage on a volatile asset that may not even exist in 30 years.

First people would need to protest the government to not be forced into paying their retirement plan and be free to invest in their future as they want.
People are spenders anyway, they will spend all of it and then cry to the government for help.

Which bank ? never heard of such good deal from banksters, they either have lower than inflation percentage or a bit higher but with risk (mostly you lose).


You realize how unrealistic this is ?

The idea is not bad, although not well expressed, and I would not call it a pension fund.

Pension funds usually prohibit withdrawing what you contribute or only allow you to do so, and penalize you heavily if you do so before the established retirement age. In addition, they usually provide tax advantages.

As neither of these two things are met, nor any other that makes it look like a pension fund I would simply call it a wealth building plan using bitcoin, which is what many of us do on the forum. Plus you're not going to have to wait until retirement to spend. You can spend at times but generally keep accumulating.

Man, investing in Bitcoin and only hope 2x profit in 30 years is really not worth it... you can just put your money in banks if you only want to double your money for 30 years.

For me, Bitcoin double it's price every 4 years, so if you invest for 30 years, it should be 2⁷ which is 128x, $36K x 128 = $4.6 Million.

If your target is $72,000 and you want to retire, I'm sure if you've achieve it, you will not retire.

Human is greedy and money has no limit, that's why people nowadays are working very hard to earn more and more.

I am lost, are you saying that the $100 fund every monthly will be used to buy BTC and this will go on for 30 years? It is not a bad idea if this is what you are trying to say, and mind you the end result will never be $36,000 because Bitcoin will keep appreciating in value, in the next 30 years this person will be very rich if truly the $100 is going into BTC.

If I have to do this my way, I will save up the $100 depending on the market condition, since this is monthly DCA I will wait for a massive dump in BTC price before buying, and I will end up with more satoshis than buying at $50k or $30, etc, someone who saved $100 in every 12 months will have $1200 and imagine this person use this money to buy BTC at $17,000? They will have more BTC than someone who is buying from $57,000.

This is just my way, buying right now isn't bad either since the goal is long term, not a bad plan after all, either ways your retirement will be great, but we are humans, don't forget this, we want to see tomorrow but we are not promised tomorrow.

May we live long to enjoy the fruit of our labor.

I agree that it's often good to make long-term plans when it's possible. But sometimes it's just not feasible or people are not organised enough, which is why I believe that things like pensions should be largely handled by the state and employer, not by employees. That being said, accumulating BTC for long-term holding isn't a bad idea, regardless of state policies on pensions. It can be a safety net, a college fund for kids, or perhaps become a retirement fund indeed.
2x return with BTC over 30 years is very modest, I think we should expect much more. But also, I honestly don't think $72k is enough to retire, unless you're planning to still work part-time or have some sort of passive income at that point. Even assuming extremely modestly that you have a place to live and only spend $500 per month, that's just money for 12 years. Sure, maybe you'll live less or die after 12 years, but you can also easily live 20, 30 years. Also, $500 per month is not enough even for basic needs in many parts of the world.

That’s a solid point but putting everything into Bitcoin is risky because of the volatility. Even though Bitcoin has seen great success, relying solely on it feels like gambling. It’s smart to diversify and have more stable investments if you're thinking long-term, especially for retirement.

I’m not against Bitcoin, but it’s practical to balance it out with low-risk investments or even starting a small side business. That way, if you grow that business, you might retire earlier than planned without worrying too much about Bitcoin’s price swings.

If they see the benefit of Bitcoin and want to take part, they will do that and will save some amount like your illustration to their self pension fund. That need an effort to keep saving some amount from their salary in Bitcoin and hold it until they pension so they will have the profit when the time is come. They can get more money besides of their pension because they have an investment in Bitcoin that can give them the profit. Before they do that, they must know how much money they still have so they can know how much money they can use for Bitcoin investment. Without doing that, they will get difficulty to running their DCA system because they can not allocate some money for their Bitcoin investment.

We can make a decision as a plan to guide our life. The biggest concern of most job seekers is what to do after they retire. This question comes to the mind of most of the employees very late, almost before retirement. I think leisure time should be planned from the start of employment. Planning at the beginning gives you longer time to make the plan a success.

As part of the plan we can build a self-pension fund. Which will be governed by DCA system and will have a long tenure till retirement (about 25-30 years). An employee has 25-30 years of service. Then he retires, in many cases it is less or more than 25-30. If we build a self-pension fund early in our working life, we can extend it to about 30 years. This fund we can manage through monthly savings where a certain amount of income will be saved regularly. It may be 10% of income or more. If a person's income is $1000 then 10% of $1000 is $100, so in 30 years his savings will be $100×12×30=$36,000. Assuming 2x the profit in 30 years we get a return of at least $72,000 which I think would be enough for a retired person to live on.

Of course this is part of the long term plan and the holding period is 30 years which is too much. But if we use it as a retirement plan, it won't seem like much time.