Topic: IS IT SAFE TO INVEST PENSION FUNDS IN BITCOIN? (Read 710 times)

Investments for retirement are long-term investments of 20–40 years. However, the first cryptocurrency is only 14 years old.
Of course, we can hope that BTC won’t depreciate in another 10 years and even try to predict its price. But no one knows what will happen to the entire crypto market in 20–30 years.

You better dont do it for sure there is a lot more negative impact than the positive impact caused by this idea , you cannot imagine to lose your pension funds that used to make you survive to live the life but then ended your life lol , that's not funny at all so yeah you better not doing that.

Only invest the money that whenever you lose ... it had almost zero impact to your life.

this much is true, losing money when reaching the retirement age is not funny, no place to work, smaller chance and opportunity of earning money which simply means earning money becoming even harder than before retiring. the impact of losing pension funds will be massive, I'd doubt they aren't gonna concerned about it, just imagine if someone had invested their pension fund in the previous all time high where cryptocurrency investment was quite rampant i'm sure some have already invested, then the market losing value because some company collapsing, basically making people lose about 80% of their money and if it's pension fund, it will be really heart breaking. i couldn't imagine lack of money in retirement age.

I personally don't think investing on any cryptocurrency using a pension fund is a good thing. Pension fund is a type of fund that is used by a senior or a person on an old age primarily for food and for medical expenses, Food and medical expenses is just a necessity to carry on our daily lives and removing it to a person will make life extra hard. In short, the quality of life will degrade and the money that supposed to buy the necessity will just go into an uncertain investment. The rule of thumb is to invest money that you can afford to lose and pension fund is not one of those.

Basic rule of any investment: never invest money you can't afford to lose. this is not just with bitcoin, even the real world business that people can swear to you will work, one should never put money into an investment using money they cannot afford to lose, in cases of pensions to people they should not take a pension to put into investments unless the person knows that he has enough money to cover all expenses and always has some money left, in which case it makes sense to put the money in bitcoin in some other high risk investment

for example a person who has a pension of 1000$ per month, so this person has his own house and at the end of the month when he takes the money for 30 days of food, pays the water and electricity bill, pays the employee and is left with 200$, then this person can take 50$ and invest in bitcoin, even if he loses a few dollars something like 5$ and is left with 45$ because the price of bitcoin has dropped a lot still this person will not panic because this person is not depending on the profit of bitcoin for a living, at the end of the day good finance management is the most important thing people need to make good investments


in most casinos people who receive pension are not very old so if they have good planning and financial management they can do very well in the cryptocurrency market, we see people aged 50 or more in this cryptocurrency market and they are successful people, so it is possible for someone pensioner who has good financial management to do well in this market

Following your point of view, those old aged people are also prone to heart attacks I can't imagine what will be the reactions of those people if they will invest their pensions to this market and encounter a big dump, if those old age people are not mentally and financially ready with that kind of situation it will be possible for them to experience a heart attack.

Thinking about a failed investment at their age, so yes, with your argument better not to proceed and just use the pension money to live your life while you are still capable to enjoy with your receive money.

To be honest, it’s never safe as always. Pension funds are certainly funds used to provide for the good living for old aged people, and not to invest in a risky and highly volatile one. And to think that pensioners are prone to be carried away by their emotions, so just imagine if their investments do not work, surely that will create threat to emotional and mental health of these old aged investors. So as much as possible, they should avoid bitcoin investment and the likes.

It is really indeed a matter of risks taking because when it comes to these kind of decisions on which risk taking thing is really that crucial, not all would be able to take up such risks specially when we do talk about

pension funds which is something that would really be giving out some assurance on the time that we do get old and doesnt have that work anymore.If you are aware of the risks then it would be your choice on going all in but if not then you could always choose on having some partial investment into it whether it would be playing around 20-30% or according into your risks appetite.

Not all would really be having on the same risks level or appetite on which there are ones who could be able to invest but pretty aware on whats the risks behind.Some would really be going into the opposite way.
Investment is never been safe specially on something that it is really that speculative. We cant really just put up money and just wait for us to get rich.
This isnt how this market opportunity do give.

If you receive your pension every month and if you can survive 50% of your pension in a month, you can invest in Bitcoin in a 50/50 method, in short you can split your pension into two.

     But I also want you to understand that there is a risk here anyway, no matter what your decision is, you should understand what you are going to do about something like this because money is involved. You have to do it with all your will and you won't blame anyone else even if the result is negative in the end.

Nice advice.
But there is still a chance that our retirement funds invested in Bitcoin will provide a decent return. Of course, by using a portion or what percentage of the total pension funds we receive. So we can invest the rest in other assets or build a small business as well as for living expenses.
Investing in Bitcoin doesn't need much as long as we can be consistent. For example, a $ 100,000 retirement fund, $5000 - $ 10,000 is more than enough for a Bitcoin investment. Or just start with $100 - $500. We are free to start with any amount.

I agree, this is the same as investing your life savings in Bitcoin.

I have seen in the past that did it and bet all in with Bitcoin and many of them didn't do no good because they're impatient. This isn't just going to grow on an instant or overnight for which many think is being like that.

Just no.

If someone wants to invest his pension funds in Bitcoin, answer the question if you already know how volatile Bitcoin was and if you're already prepared to get a bumpy road with this investing journey.

It is a decision to make if they are willing to take the risk, pension money is something that they work hard during their early age and if they will use it as investment it's better that they fully understand what they are doing, like we both said, portion and not the entire pension is good enough if they really wanted to invest in this venue of business.

There's nothing aside from their own understanding and knowledge that will stop or prevent anyone to invest to what they believe they can earn decently.

As you noted, pension funds typically have a fiduciary responsibility to safeguard their contributors' retirement savings and ensure their long-term financial security. This means that pension funds must balance the potential risks and rewards of different investment options, taking into account factors such as volatility, liquidity, and regulatory oversight. Pension funds are often subject to strict investment guidelines and regulations that limit their exposure to risky assets, including cryptocurrencies like Bitcoin.

Therefore, invest within your means and do not let it affect your quality of life.

I think that's what he did and thus, he's got a pension fund. But it's too late to discuss that when it's all about his younger days and when he should invest.
Well, people who have gotten old and didn't invest a lot during their younger days could have a lot of reasons that we will never know but then, it's good to see old people thinking that they should invest with bitcoin even with their pension funds. They need to understand the risk that it has and it's not just an overtime profits for them because of the risk, there's also a bigger chance that they might just lose it.

the price of bitcoin is very volatile, so it must be considered carefully before actually deciding to buy bitcoin with a retirement fund, but one thing is certain, the price of bitcoin will continue to increase over time due to adoption that cannot be avoided. 

My advice is for the long term saving, don't store bitcoin purchased at CEX, save them in a personal wallet after that save the password and private key of the bitcoins purchased very safely and only you know where they are stored.

It must also be remembered that the best way to buy bitcoin is with a pension fund, which is to buy it in stages, moreover, pension funds must be received periodically, not all at once.

Volatility and its risk will be the top main concern if you are going to invest your retirement fund with Bitcoin, this is a high risk and high reward and I’m sure some can’t afford to take such risk because of being afraid. Better to have some financial advisor and seek for what is better for you, don’t just listen to any hype because your future will be at risk and you might regret it. Bitcoin is good for me but I don’t see this option for my retirement funds.

It’s actually an individual’s choice. You can always invest an amount that you can afford to lose, but I don’t think this is the case here. Retirees are more emotional and could easily burst out once they don’t like what they are seeing and feeling, so as much as possible they should not be exposed in high risk investments as it would trigger their emotional and mental health. I would suggest to never use pension funds in any investment, there’s no guarantee if the money will certainly grow or will eventually lose all the amount.

There are two ways to invest your pension funds in BTC, one is after getting the pension fund you plan to buy BTC and the second is during your stay in the company you asked them to buy BTC for your Pension in both ways these are good investments. But analysis and planning is everything.

For example, if you are wondering to make 2x to 4x profits on your capital with your pension funds then it's going to take time and you may have to wait a few years as halving takes time.

But, i prefer you to not put all of your pension in BTC because who knows the future, as i am not saying BTC will not survive till you retirement but all I am saying diversifying will make your profits more assure. So, why risk everything? As most of people have no money other than a pension so if they will risk it they could face unpredicted results too.

You should save around 30% to 50% in fiat and the opposite in BTC so that even in wild situations you could survive from both ends. And do not forget to perform DCA in BTC buying. As I don't know if the BTC pile will help mainly you in the end but it will help your offspring as you can leave it as an inheritance if you don't have property, There are many threads already made on this forum, on which members had shared their interest towards using BTC as an inheritance for there new generations.

In my opinion it will be never good decision or a wise decision if anyone did investment his/her full pension fund in Cryptocurrency trading . Because Cryptocurrency trading is highily volatile and also high risky so it should be always considered that investment should be in Cryptocurrency as much as you can afford to loose. So if the fund of pension is only asset then investment should be in some percentage of that fund so rather than it can give a good profit after a long time period.

Savings or investing might still be needed because not all pensioners are receiving a good amount of money and what if you are living an above-average life and then you have your kids which also demands you money from time to time? We can use little amount for investing not only to cut the risk but it allows us to invest in other type of assets. It's important because not all times Bitcoin is increasing and can provide us an income.

As a senior, our kids are the ones that will provide us money because our role on supporting them is done. All what we need to do now is to relax and worry less. Pension should be enough for us as long as we want to live a simple life.