Bitcoin Forum

I mean why not? It would be just extra exposure for me and im already contributing into another one and there's enough in there to get .25 of "paper bitcoin" sometimes with the silver ETFs they call it paper silver. I mean i am completely bullish and think 200k before year end is definitely doable as well. What do you think of this idea?

I'm not aware of the other options, but, yeah, why not? In terms of appreciation, are there stocks and bonds available in your 401(k) account that can match Bitcoin's growth?

$200,000 before the year ends has gradually become a moderate target by the day. In the first quarter, I thought $120,000 to $150,000 is the realistic goal in 2025. Right now, I'm thinking $200,000 is within reach.

Alternatively, if you're already heavily exposed to real Bitcoin, you can also use it to diversify.

Yeah, I see the logic. Just keep in mind, with paper exposure like ETFs, you’re not actually holding BTC - so no custody, no self-sovereignty, and no upside if things go sideways with the fund provider. But if you’re diversifying and already holding real BTC too, adding a little extra exposure through something like that isn’t the worst move.

I think 200K’s aggressive but possible if momentum kicks in by Q4

I don't know what 401ks is and neither do I understand what you mean by IBIT, but concerning bitcoin reaching $200k within this year or before year ending, it's definitely a realistic target but I still have my doubts..

I would like to see $150k live on the chart, and also watch the price of Bitcoin stabilize withing that price before I start looking forward or speculating about it reaching $200k.
$200k for price of one bitcoin is definitely no longer a question of "if" it will happen, but more of "when" it will happen, so if you wouldn't mind a little delay along they way, just if things fail to go as thought or planned, then now is really a good time to buy bitcoin because definitely $200k is a realistic target which may come within this year or first quarter of next year if the bullish momentum keep up till then.

If you aren't inclined to go through the rather steep learning curve of self-custody,
it wouldn't be a bad time to invest in spot bitcoin ETFs.

The SEC recently approved the option for in-kind redemptions in the US, so you have
the option to redeem for real bitcoin instead of just cash like before.

This gives you confidence they aren't just paper bitcoin products but fully backed by the real thing.

It depends what your time frame is and when you are planning on retiring.

If you are planning on retiring in the next 2-3 years or so, then I would advise against it since we got these tariffs still and the market might top soon.

But if you are planning on retiring in 10-20 years then its a safe bet. What else is there really to invest? The AI bubble? Gold? Real Estate? Everything pretty much seems over priced these days and we all can be left buying the top and holding our bags for the next decade.

Do it. But I only say that because if you are talking about your pension fund, then it means to me you don't care if BTC dumps to 10k over the next 2 or 3 years, you are happy to wait for the next ATH in maybe 2029 or later.

I am thinking 200k feels logical now but if it doesn't work, we may see a big dump first aka Bitcoin bear cycle.

If you can't stand on BTC for a few years, don't do it.

^ If you are gonna take your take with it, - you may do it.

I am basically at where slaman29 there ;D Time always makes everything right.

You don't need to go all in on Bitcoin especially at a time of uncertainty as now.

We've reached record inflation, record low wage value, record housing expenses and house prices. If these aspects of the real economy collapse, what's going to happen to BTC? Will it keep rising? I honestly don't think so.

In my view it's just best to stay afloat with some value investing when it comes to a 401k. Part of it in BTC? Sure. All of it? No, of course not.

That's really nice indeed.

Hopefully, people will know of this option and use it appropriately.

It's much wiser not to touch paper Bitcoin, meaning ETFs. The fiat system is extremely fragile , it can collapse overnight and spiral into hyperinflation. If the dollar enters hyperinflation, how do you expect to actually get your Bitcoins out of an ETF?

Holding real Bitcoin is a much smarter move. With real Bitcoin, you can always travel to another part of the world and exchange it for any local fiat currency. There's no risk of hyperinflation, bank runs, or fiat system collapse affecting your access to it. That's the power of self-custody and sound money.

In that case, all hell would break loose.

Even though it may happen, a retirement account with BTC ETF is not a bad idea, it's another branch of how we can be exposed to BTC as OP said, even though it's.. not our BTCs ;D

Safer option is just getting more for ourselves, option to try and see what sticks - do it.

Paper exposure like Bitcoin ETFs doesn’t give you actual BTC, so you miss out on self-custody and full control, plus there’s risk if the fund or custodian runs into trouble. But if you already hold real BTC, using ETFs to diversify can make sense.

If country money becomes worthless it is hard to know if you would actually be able to get your Bitcoin out of ETF since those funds rely on system that is failing. Owning your own Bitcoin means you are in direct control.

You can move it anywhere and trade it for local money without relying on banks or governments. This makes Bitcoin truly independent and stable asset something ETFs can not fully offer. So for those who fear big financial collapses keeping your Bitcoin yourself is only way to get its full benefits like total control and no reliance on others.

The other great benefit of in-kind redemptions is the potential for tax deferral.
Redeeming for bitcoin doesn't trigger a taxable event, only when or if you want sell it for cash.

 

You've got already the answer and you're bullish and anything is possible. Just think of a possible drawback if ever this plan didn't go accordingly. I am bullish until the end of the year or even by Q1 of 2026 but just think of some plan B or just let it be whatever happens and if it didn't come into your expectation. So, if you're short term and it's doable, it's in you for taking this risk. It's easier for me to say that because I've got no other options and I've bet on it for Bitcoin so, take it or break it for this year, we've got to wait a bit longer for the next cycle if didn't pass on this year.

We have been rambling about the collapse of the monetary and banking system for years but in reality, it has been around for hundreds of years and is still showing its strength. It's not going to collapse overnight or in a decade so stop saying that nonsense.

Not to mention, money flows into the market mainly through ETFs, what will happen to bitcoin if the fiat system collapses and ETFs go bankrupt?

I mean, I don't recommend investing in ETFs but we shouldn't deny its role and influence on the development of bitcoin. And like OP said, it's just extra exposure for him, so I think it's fine, we don't need to make things more complicated.

I feel like the stereotype is that ETFs to bitcoiners aren't ideal because "not your keys not your coins" and that is right but having this ability for in kind redemptions is incredible. So youre telling me at any opportunity I decide to cash out of this investment I can opt to redeem my coin in actual BTC from IBIT for example? I didn't even know this until just recently.  I already have access to many bitcoin ETFs and im sure most Americans do since Trump's new bill allowing 401ks to invest in bitcoin ETFs.  Ive already invested 10% at this point but I've not pulled the trigger on anything more yet. I'm wondering if we will see another dip anytime soon before the next big run in October-January

From what I understand that's how it works for in-kind redemptions, but check with your bitcoin ETF provider or broker for details.
The SEC just approved it a few days ago. You still can't do in-kind redemptions for gold ETFs, unless you're an institutional investor,
so that is a big advantage of bitcoin over gold.

Why? Because bitcoin can be sent very easily and cheaply to anyone in the world, but delivering physical gold to someone that is
hundreds or thousands of miles away, or even in another country is very difficult and expensive.  

Do it if you're sure you can endure the volatility.

Personally I've increased my exposure to bitcoin so much before the big rally and i'm planning to hold it for long and I'm using self custody instead of IBIT.

Since bitcoin's growth has been parabolic for these past few years only concern is just the temporary volatility that happens along the way.

buy real bitcoin -
roll over your old 401k to a self-directed IRA:

Step   Action
1   Pick Swan or Unchained
2   Open a Bitcoin IRA
3   Request 401(k) rollover (direct transfer)
4   Buy Bitcoin via the platform
5   Bitcoin is stored securely

Okay so I've looked more into this and it turns out that as of right now only institutional investors are able to get the in kind ETF to BTC redemption. However, that may change in the future if they build a big enough infrastructure for them and there is enough demand. I know its great to get exposure to other things but I think between my current 401k at work and my IRA (which is actually thr bitcoin one that I mistakenly called 401k). My hope is to get my account back to where it was before I had a hardship and unfortunately had to draw out 30k. I had to sell my grayscsle at the time which would be worth so much more it pains me to even think about it. But hey, that's life! I roll with the punches baby. We can change our stars!!! Name that movie!!

Other than he's dumping it all into BTC at near the alltime high, actually if I had pension money that was released right now I would also do the same. But except I would spread it out evenly so I still earn a bit of interest, and make sure its pretty much aligned with my DCA strategy of averaging my BTC cost :)