Bitcoin Forum

It's normal for people to make plans for retirement and before I got to know about crypto and Bitcoin investment, What was a normal routine for most business men that are self employed around me was to use their period of active service in building fleets of houses they would normally give out on rentals which after they're at the stage of retirement and are off the active service would serve to take care of all there upkeep till they grow old.

From what I've come to see, such investment has lots of disadvantages and limitations due to unforseen circumstances like war and government policies that could make the cite of the buildings inhabitable thereby making the investment unprofitable and sometimes most men at the point of retirements, discovering that they can't get access to all they've invested into become traumatized in the process.

Investing into Bitcoin is good and for the time being, we can actually make a ten year speculation on the fact that it will still remain a  valuable and profitable investment but the question here is;

Is it wise and realistic for someone in his early twenties to set up Bitcoin as  a retirement plan such that he continues accumulating Bitcoin from this time till he gets to his retirement age?

Yeah yeah Bitcoin is progressing and a nice investment but we are talking about pension here so don't put all your eggs in one basket.  8) 8) make other investment plans also. Bitcoin is a crypto currency and it is not impossible for it to lose value years to come ( the chances of it losing value is very thin though).

Yeah as long as you can hold for long period, most people make mistake using the money they need for their monthly needs and some of them can't hold for long term because they don't feel safe. Of course it's because they didn't understand about Bitcoin, they invest in Bitcoin because relying someone else advice or join because his friends are invest in Bitcoin.

So make sure you're need to be educated enough, learn slowly, and invest when you're ready.

If I were you, I would keep Bitcoin pension plan as my plan B. Be practical, while Bitcoin can reach up to moon, there's no guarantee to it. It can very well go down in prices. A lot depends on international politics. So you never know what's going to happen in the future.

So keep investing for a longer period of time but at the same time have a separate pension fund. You never know what's going to happen. Just don't gamble with your life.

This would have been possible for me as I have this figured out but there is a law in my country that makes pension contribution compulsory and only to selected banks. I have made inquiries to know if it is possible and realised it isn't possible to switch to my preferred choice. So what I have been doing so far is to set aside part of my income for DCA outside the mandatory pension contribution. For people in Liberal countries, I think using Bitcoin investment for pension purposes is very much possible.

It is better if the person already understands bitcoin and they can take this path to retire their money invested in bitcoin.

Many people fail to understand this way - they will think that bitcoin can go down dramatically, there is no certainty of the value of prices in the future this will be quite a dilemma for beginners, whereas they will choose to be safe by storing fiat or other property.

But if you talk to me, I would certainly trust bitcoin more than fiat or other assets.
Overall bitcoin will increase because it has a 4-year cycle, of course by waiting more than 40 years will not bitcoin be high? You can imagine having to HODL for decades.

It's a great idea to have that plan with your investments. Having that kind of idea of what you can get from the markets is ideal. Spreading investments in different coins could be a great thing as well but having Bitcoin, as the main component of your portfolio, would be ideal. That's just my opinion. Of course, since we are here in the forum, it's a good thing that you are in the Bitcoin forum and know that it's a great investment and could give great returns in the long run. 

Any investment will have risk, the higher the return, the higher the risk. Regardless of your purpose for investing in bitcoin, I just want to remind you of one thing. Everything has risk and we need to diversify and not just focus on one thing. No one knows what will happen in 10 years, will bitcoin become much bigger or will it become useless? No one knows. So be wise with all your plans in life and always have a backup plan, don't be too greedy just because of what you see bitcoin achieving at present.

I would say yes, it is a good idea. Of course you need to keep in mind that you are going to experience several ups and downs, but if you are actually accumulating for retirement then you should be fine. I would also suggest to invest in other things, like stock market for example. I strongly believe in bitcoin but if you're doing this for retirement I wouldn't put all my eggs in one basket.

In human society, this type of investment in real estate (houses and apartments) continues to persist, which can be rented out for a fee or sold as a last resort. Almost every fool knows and practices (or plans) about this method of investing and receiving an additional pension.

Also, natural disasters and population migration to better areas (both within the city, the country or the world) can significantly spoil the ROI of these investments. Don't forget about investing poorly in the wrong area. So, investing in real estate also involves many risks, despite its initial apparent simplicity.

Until now, investing in bitcoin has been profitable, but no one knows whether this will stop before you retire. It makes perfect sense to include bitcoin as part of retirement investment portfolio, but whether should build that portfolio 100% - sounds risky.

In short, why not YES. By the time a twenty-year-old guy retires (if everything goes well), it will be approximately 40-50 years, his pension and investment portfolio will show crazy returns (assuming the current growth dynamics bitcoin over the last 10-15 years are maintained).

Not to put all ones eggs in a basket is good advise and as such, as one sets aside some fund as pension investment for a while, they should as well make plans to diversify the funds after some years so as to increase the profit margin and be safer incase some eventualities happen and the coins market dwindles.
BTC has a good store of value for a long time and there's a feeling it would stay to keep being number one investment option for those who believe in cryptocurrency and its possibilities. BTC launched the ETF for potential investors to use to their benefits in case we forget.

The other investments could be real estate which has better chance of increasing its value for the owner overtime, but BTC for pension plan will require one to have good knowledge of how to keep their wallet and key phrases safe and intact from both friends and families and adversity.

Investing in bitcoin for as your retirement funds is good, because you will have accumulated a good number of bitcoin, and you will benefit from the compounding value of bitcoin, because by then nobody knows what will be the price of bitcoin. The odds of bitcoin price going up is higher than it going to zero, which is very slim. The best thing is to use 10% of your income to invest in bitcoin with regular DCA weekly or monthly, so that you will ha e the chances of increasing your bitcoin portfolio with timeline.

Don't also forget the the size of your bitcoin portfolio overtime is what will determine your profit. I have also decided to Hodli bitcoin to be part of my life, and I will pass it on to my kids, because a time is coming that the people that owns bitcoin might become wealthier than people with fiat related investments. At the same time, you should also have a back up plan, incase bitcoin price did not meet up to your expectations.

There's nothing bad about real estate investment except you happen to live in a war prone area where you may be worried of your properties being destroyed or lost to war.

It's a wise decision and it's very feasible. However you should have it at the back of your mind that cryptocurrency is a risky investment. Just as you have been advised, don't rely solely on your bitcoin investment for your retirement plan. Spread your tentacles, establish a business while you stack bitcoin.

This is a topic of enormous reflection and depending on the country, this may have a significant impact on the future.

It is said that each Norwegian has approximately $4, let's not focus too much on that figure, whatever, surely some Norwegian has no idea that they have a stake in bitcoin since their government, through ETFs, invests in bitcoin.

The above shows how money is invested and how some funds take advantage of the money and diversify the money.

In certain countries, retirement or pension funds are managed very colloquially, so to speak, in traditional investments that have even happened from generation to generation, and some may not generate wealth, but they do provide a protected old age for fundamental expenses.

Whatever the case, the confidence in this type of investment is that it guarantees an investment with a return, and if it does not exist, at least the basis that supports that investment is maintained.

But economic disasters exist, we are here talking about bitcoin partly because of the real estate bubble of 2008, unthinkable but it happened.

I'm not trying to discourage you, but it is a reality to consider with bitcoin, based on that, if you are aware of it, you decide if the risk is 100%, but knowing that this situation of having a "Crash" is feasible. , and we may have to wait many years for that bright future that we could have, but perhaps the time of life in the elderly is not as long as we think and we do not see a Green band in those years that guarantees profitability.

Buying houses and apartments for rent has one great disadvantage that people usually don't consider because they see things as they are here and now. That disadvantage are government policies. In the EU there's a push towards making shelter the necessity governments have to provide for people. This means that far left is blaming investors for high real estate prices and want the governments to progressively tax people who own properties, especially if they use them as capital allocation and don't rent them out.

One day when you've finally saved up and created a real estate portfolio you may find out that the government wants a piece of it. Bitcoin is one of these things they can't have.

This is a good idea in the right direction, bitcoin have proven to be a good investment more especially when an investor decides to hold for the long term, as a person who want to plan with Bitcoin as his personal retirement benefit I think you should be versatile in your crypto investment though am not a fan of any other coin apart from Bitcoin but other asset too can help if you ascertain their authenticity, as a bitcoiner there is one lesson I learnt recently and that's an investor should always be careful of speculation in other to avoid been record.

I think Bitcoin is going to be much better investment than any pension fund in the world, but people need to be patient and expect big changes and price manipulations.
In the same way they are manipulating price of precious metals they are going to try to do with price bitcoin, but in the same time it's going to be hard to buy it.
Pensions are a modern invention experiment and if I may add it is failed project by design.

Using bitcoin has a retirement investment is a good idea, but you have to start when you are still in serving so that before you retired from the service your bitcoin has grown to a reasonable amount and you will be very happy to see your bitcoin. Many people has not realize that investing in bitcoin will help them in the future so there are still keeping Money in the analog way and not in the digital ecosystem. Bitcoin is the best place to keep your retirement funds.

why just bitcoin? i mean bitcoin is definitely profitable but don’t you want to diversify your investment portfolio? just like other cryptocurrencies, bitcoin is extremely volatile and you might have a lot of losses if you put all your eggs in one basket

there are still so many investments you can do if you don’t want to dive in to real estate

I think that’s a good idea. Bitcoin is not tethered to any fiat currency hence its price is purely affected by the people’s interest in the market. We all know that Bitcoin is here to stay and we must accept that now and create plans accordingly. At such a young age, you already have a retirement plan which I think is good and should be followed.

Bitcoin would be the best option but I would always recommend you to diversify your investments and be it for pension or any other reason. I would suggest having major chuck like 60% into Bitcoin and then remaining 20% into Stocks and Mutual funds and rest 20% into traditional stuffs like real estate. Bitcoin indeed will give more ROI so majority of investment should be into Bitcoin and let's consider every possible worst case scenarios hence as a security investing into diverse assets will keep your investments safe and less affected as you mentioned situation like war or let's say government banning or restricting crypto or making it difficult though they cannot ban it as they don't control it but they can make it bit difficult.

Oh yes someone can, bitcoin is a speculative asset but when you look at it on a long term scale, you will see that it is already getting a massive adoption rate and on an overall uptrend. Beginning to invest in bitcoin from now as a retirement plan will give you a very big advantage to have own a lot of bitcoin when you’ve retired and want to live on your savings henceforth. Bitcoin has proven to be a reliable assets that have played the role that other assets have done for the past years. It has also breach the gap of facing natural disasters that happen upon physical assets that people have been using to save their money for the long term before the invention of bitcoin.


True, but if one of your investment is in bitcoin, then diversifying should be out of cryptocurrency and not go and invest more in other altcoins. Some altcoins have really performed well since their creation but you can’t depend on them forever as bitcoin is dependable on. They are much risky than bitcoin, so in order to have a safer investment, it is better you diversify into other investments like real estate, gold etc. With bitcoin investment, you are in a safer haven when it comes to cryptocurrency investment, so you don’t need to panic to invest in other crypto asset with the mindset that bitcoin won’t perform well in the long run after investing in it.

Investing in Bitcoin is not a bad thing; in fact, it's one of the assets one should invest in for future purposes because it's a long-lasting investment and its value is increasing as time goes on. Those who were able to invest in it 5–10 years ago are enjoying the benefits right now. 
 
But one advice I will give you: if you want to use bitcoin to save up for your retirement plan, I will advise you to take the security of where ever you want to save it very seriously, knowing fully well that it's not just something for months; you should protect it very well in order not to end up losing access to it or falling victim to hackers. 
 
Then again, it's not also very good for you to divert all your investment into one asset. You can also invest and save on other things, even if most of your savings are on Bitcoin. You can also invest a little capital in real estate or other forms of investment to be on the safer side.

Yup. It is not only the old ones that can setup their retirement plans with Bitcoin but if you're in your twenties and you're thinking about that. That only means that you're preparing for your future so that you don't have any problems with it. It is being treated as a lifesavings and I have seen people told that they are saving their money into Bitcoin for their financial retirement plans. I think it was countless people when they've told that and that's the reason why many just wanna be well off with their life in the future without having any financial problems.

If you're preparing this early, you'd definitely see the results of it earlier than expected and you might be able to retire early. But as we retire, what are you going to do next? Many are called retired but they're doing their passion and for them to have something to do and have a day to day activities so that they'd still stay in fit and whatever activity they are joining, the only matter is that they are not problematic anymore with their finances.

In addition, despite of how profitable bitcoin is, learn to invest only on your spare money that you can easily afford to lose. Bitcoin has all the possibilities to turn into a million price, yet it’s never impossible for bitcoin as well to drop its price drastically and fall to its deepest. So always invest at your own risk.

And never put all your eggs in one basket, learn to diversify. You can build physical investments or invest in real estate, stocks or gold, but put a bigger allocation for bitcoin as it has the highest return of investment so far.

If we learn the growth of Bitcoin price, it always shows the chance for good profits. We already experienced few bullrun season, Bitcoin price always increased significantly from one bullrun season to another bullrun season. We even don't need 10 years, it is enough to hold for 4 years. The bullrun season has 4 years cycle. We only need to follow this cycle to ensure good profits.

Yep, Bitcoin is a speculative investment. But with the fact of it has 4 years cycle, it is actually not a very speculative investment because we know how long Bitcoin to increase its price.

Why not to have Bitcoin as the asset for the retirement?
If I have enough money, I must buy some Bitcoin when it is in the bearish season to hold for my retirement investment. It is already proven to give great profits for any investors in each bullrun season. I just need to keep it on my private wallets and wait for the bullrun season every 4 years. This is an easy thing to do when I've retired from my jobs.

I have been seeing different writing about Bitcoin as pension, which could be unwise and I don't know if they are serious about it it they just want to accumulate merits thinking with our mere faculty It would be easy to gather supporters. If anyone ever take this kind of decisions during the bear market, it is going to lead to a total loss of funds unless the person is ready to wait for few years for the price of Bitcoin to come live again.
There are many things we need to put into consideration before we need to never think of investing in Bitcoin as a pentionial. The market could decide to move to may direction and we need to be aware of the market situation before making at decision.

As long as you are strong enough to hold the bitcoin you have then why not because it is still very doable even though you are currently in your 20s.

I personally am currently still at that age even though I will soon move to head 3 but indeed I have the same mindset towards bitcoin only maybe in this case apart from supporting my old age on the other hand I will use bitcoin for my future needs.
Not wanting to be naive I also want a maximum result and I have a target to sell some of my assets when my plan has been achieved in terms of value so regardless of whether it is up to my old age or do not want to lose momentum to be in bitcoin.
My temporary target is for the next few years but it does not rule out changes in plans made later.

Please be informed that there is no such sure thing in the future, anything can happen.  Bitcoin may surge more than what we expected or do the opposite.  Even most of us are convinced that Bitcoin market is highly volatile and no one can predict accurately what will happen in the future.  We can indeed make a speculation but we all know when the term speculation is used, it simply means it is not a fact, so it is highly possible that the expectation that Bitcoin will remain a valuable and profitable investment for the next 10 years t may not happen.


At the current performance of Bitcoin market, it is wise and realistic for someone at his early age to see and strategize to make Bitcoin as his retirement plan. As long as you have the money, why not?  Just make sure that the plan is set for a long term and with that, we should always vigilant and updated on the movement of the market.  Let us say our plan is to take profit after 5 halving (mostly will take around 20 years) that is too far in the future so we better need to be updated so that we can act accordingly if there is some issues arise that can affect the Bitcoin market negatively.

The future is very unpredictable, so no one can actually know for sure what will be the future of Bitcoin in the years to come. Take, for example, the pandemic that happened in 2019. If anyone was told in 2017 that there would be a great pandemic in 2019–2020,  many people would disagree, while some religious people would pray and cancel such thoughts with their faith in their religion. We always hope and also stay positive that the future will bring about good things according to our expectations, but the fact is that it is not always as we expect it every time.

Bitcoin is a very great asset, and investing in it at a very early age is a practice that can be of great profit to the investor. Like you said, if anyone keeps accumulating Bitcoin right from their 20s, before they get to 40 or 50, which they may think of retiring at that age, they will already have accumulated a large sum of Bitcoin, which will really be enough to sustain them during their retirement days.

This form of investment is still beneficial as I have seen most buildings which was built by people who on there early age was working in good places and they used there money and put it into good news, housing and landed properties as a very good point of investment especially when you have built in a well suited area.

Let’s just take war aside, if the place is marked for demolition the owner of the place is going to be paid base on the worth of the property, so even if one want to invest in bitcoin building houses for rent won’t also be a bad thing you can consider both if your salary can be enough when you remove what you want to use as investment.

You should never equate pensions and bitcoin deposits, because reality is always one step ahead. Investing in Bitcoin is a good sign but you can never gather everything in one place. So if you show up at a place with different plans, chances are high that things will go wrong. So you can implement the Bitcoin plan and keep yourself calm.

That sounds risky. There is no assurance that Bitcoin would still be relevant 40 or so years from now. So I guess the safer option is to diversify your retirement savings. Bitcoin, of course, is one great option, but you can't entrust your entire retirement solely on it. You can have fiat-based retirement plans as well. You can also make investments in stocks, real estate, and others. You can dispose them with a much higher value when the time comes.

In my opinion, the choice is in our hands, meaning that with financial knowledge and ability when we are still young, preparations must be made immediately, although in the end Bitcoin is not the only thing we have to focus on at any given time because we are also required to be flexible in adapting to change. market conditions.

but, I believe BTC is an interesting strategy to maintain since then because BTC is also an asset class that can help protect a portfolio from extreme market fluctuations and is intended to go up and continue to go up unless the internet is no longer needed by humans and that I think is very relevant with long-term financial goals too.

Personally I think one should have more than one investment plan, especially when it comes to retirement. And it's not too early to think about retirement even if you're in your twenties. Even if Bitcoin is profitable as is, in a time scope of ten years, I still see it bright, but if it's in the distant future, can't tell what the world would have going on, and how that would affect Bitcoin.
Bitcoin is a good investment as of now, but there is no guarantee that it's the best retirement plan. I think that's one of the risks, but then... When it comes to uncertainty, plan B should be a thing

While I agree with that but there's still the bigger portion of being into the real estate game. It's passive income and it's normal to have obligations in the government. I know it sucks and they want chunk for everything that we have but speaking wisely, it is one of the best to have when you're already old and will just take passive income from rent there and when you're done, you'd sell it at a great mark up.

100%.

As they can tax and take over the lands and properties, they'll never be able to take our bitcoins.

Before this leave question on my mind if we can really make this to happen since we don't have something to hold and government still so skeptical about it before. But now the level of adoption and increasing the numbers of people using it then this give clear statement that bitcoin is really different and have good potentials for investment and any means. That's why I would agree that this might be a good option for people to put their retirement funds since it can possibly multiple for more. But also they make sure that they are prepare for other consequences and have extra funds for emergency situation so that they have extra money to use once everything didn't go as we expect to happen.

I don't think that it's a good idea to rely on bitcoin as a way to grow your retirement money, as much as I believe in bitcoin, it's still a volatile investment that can go anywhere at any given time so there's always that possibility that you're probably going to have a problem with your investment going down in value.

What you need in retirement money is something that's consistent and won't easily go down in value, I say that it would be better if you split it up on different kinds of investments so you're not going to be the one that's losing money at the end because you've put your eggs in one basket. Or you can just say "fuck it" and risk it all on bitcoin, bitcoin's not going anywhere anyway so I'm sure that even if I've got reservations about it's volatility, bitcoin will still get back up when it experiences the bear market, it's a cycle of dump and pump but we never know when those things are going to happen again, what I'm worried about too is the fact that you might not be able to take the panic that you're going to feel when the price of your investment has gone down in half or more, that's where your test of faith in bitcoin is going to start.

Bitcoins are really improving to be honest. If you ask me then it will be really a great plan to use Bitcoins as your retirement options. Bitcoins have really grown in the past few years. So if you are someone who is in their late twenties, then definitely you can make your retirement life easily by investing in the coins. Just regularly accumulate the coins and after 40 years, definitely you will make good profits.

Proper decision at the right time can make a big difference in everything in his life. Any type of investment is risky. Those who have the courage to take risks can be profited. Bitcoin's journey started not too long ago. But Bitcoin has already taken the priority over the world. Some of the current retirees have expressed interest in Bitcoin. Some even invest their retirement money in this platform. My personal opinion in this regard is that those who know about Bitcoin and have a long-term investment plan should invest in Bitcoin. While other investments require a lot of money, investing in Bitcoin only allows one to get high returns with comparatively less investment. But the investor must invest such money that loss of money does not create any problem in his life.

If you can say that the chances of losing value in bitcoin is very thin isn't that the same with other investments out there? Like stock and gold? As a matter of fact, every investment carries high risk, even running a business doesn't guarantee that it will be successful in the next 10 years.

This same risk is available in everything in this world, not even our lives are guaranteed, anything can happen to anyone at any freaking time.

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I am defending this because my retirement plan ends with Bitcoin, I don't plan on having gold or silver, I care about having a good amount of Bitcoin when I am older if I have to give my children some of my things Bitcoin would be the first.

This is just me, I don't know about you, but I have more confidence in Bitcoin than anything, and still won't stop me from having properties but Bitcoin will be my bank, my right channel for funding anything and everything that I want to fund.

It is clearly wise for those in their twenties to try to accumulate Bitcoin between now and retirement. But on the one hand there is also another question that arises from this, namely whether young people who are still in their twenties are able to hold Bitcoin for that long because usually young people nowadays are more easily tempted by luxury things that make them try to buy it. So they often forget that they are planning their retirement by collecting Bitcoin by continuing to hold Bitcoin until that time comes later in their life.

Apart from that, everyone should not ignore fleets such as houses and several other assets that can be useful for their lives and also for future generations through their own families. Because whatever the regulations from the government and natural disasters that can appear suddenly without us realizing it, residences such as houses and buildings that can be used as investments for the future must also be considered important.

Because if someone is afraid to make that kind of investment in their life just because of natural disasters and regulations from the government, I think Bitcoin investors will also feel something that is not much different if a natural disaster can destroy the internet in their area. Likewise with regulations from the government which you don't need to be afraid of because if you are afraid to invest because of that, it means you have to become the leader of that country or create your own country whose rules you can make yourself :D

Everyone wants to be comfortable when they retire. In order to be comfortable after retirement, you need to evaluate your income well before retirement. There are many methods to utilize income well. One of these methods is to invest in Bitcoin. Bitcoin has always made its investors profitable in the long run. Bitcoin is currently doing this.

Diversification is important when investing. You should do your own research and consider many other investments along with Bitcoin.

Planning for retirement has nothing to do with age. There is no age limit for saving and investing in the future. There is no age limit to start planning and achieving goals, the sooner you start the better.

Do be careful about that idea OP, you don't want to end up with no money in your name when you retire or that you've got smaller than you'd expect to have amount of pension money, don't rely on bitcoin as your way of growing your pension, maybe diversification can help you but other than that, you've got to be crazy to just rely on bitcoin, can you even handle the possibility that you're going to be seeing your pension money going up and down whenever the market is experiencing issues and FUDs because you've got to be really strong and won't be easily swayed by these FUDs and short-term price drops if you're investing your pension on bitcoin alone and can you handle hodling for a really long time? Because that's what you're going to be doing all the time, no selling or withdrawing, just accumulating.

Have you also thought about how to store your bitcoins long-term? Because there's a case of obsoletion in technology and you don't want that bitcoin get locked out because your wallet isn't compatible with the latest technology at the time that you're selling to claim that pension.

Its not that I believe bitcoin will last for a very long time, in fact I want bitcoin to be there forever, but we are never sure what will happen next to bitcoin or any crypto currency, so its also important that you have savings when you retire. Yes,  bitcoin can be a retirement plan if you have holdings and bitcoin is still active, then it will be a great retirement plan along with savings, because as I said, we can never be too relaxed or too sure. 

You can also diversify your investments, not just in bitcoin; you can invest in businesses or any other things that you can invest in and earn. In short, it's better to have a lot of options or a retirement plan because it will make your retirement more comfortable and secure so that you never have to work again. Personally,  I aim to have one or two businesses before I retire and focus on investing in crypto currency and other things I can invest in.

In the country where I live, most people rent houses or build apartments to provide for their old-age pensions. They have yet to educate themselves on Bitcoin investing. So they think Bitcoin is not a retirement pension for them. But they also forget that there is a cost to build a house and government taxes to pay, so they could have easily invested in bitcoins for a long time and got great returns for a while, so they could spend their free time happily. But alas, they are depriving themselves of the benefits of Bitcoin investment.
    On the other hand, investing in Bitcoin is undoubtedly a great investment, but we don't know what will happen in the near future. Even if the price is skyrocketing now, the price may come down. This is important to remember. I'm not scaring you, OP, just reminding you of the pitfalls of Bitcoin.
      However, from what I've learned so far about Bitcoin, I think some of our income should be invested in Bitcoin for the long term for retirement, as well as other options and holdings to grow pension funds. So that if we lose in one investment, we can compensate that loss with the profit of another investment.

why not? This is a completely working financial instrument and I think many people from this forum have definitely thought about it at least once.Of course,I would not invest 100% in Bitcoin anyway,most of it should be in national currency (depending on the situation in the country and its economic prospects) but as part of an investment portfolio for future old age, definitely yes and yes again.

But how can you be sure that 40 years from now bitcoin will still exist and have value? Not to mention holding bitcoins for 40 years is not easy and there is no guarantee you won't sell them early when there are big Fuds in the market. Even if people buy bitcoin to prepare for the next bull season, I don't see too many people doing that, let alone holding bitcoin for 40 years.

Life is getting busier and busier and we cannot even ensure that we can survive and provide a full life for our small family. So instead, don't rush to make too far-fetched plans but focus on the short and medium term first. Once you have everything sorted in the short and medium term, then start thinking about the long term.

Having a place to live is great because you can at least be pretty sure you won't be homeless. Having another place to rent out isn't a bad plan if a person knows how to do that and can afford it, but I agree that, to me, Bitcoin investment sounds potentially more profitable and more useful as a retirement plan. That's especially true in places where the rent is low. I know someone in their 70s who has two flat she's renting out, and she also received a small pension from the government. The total amount she gets is something like a medium wage for one person, but she also lives with another person who doesn't have income, so this income is just enough to cover food, pills, and bills.

For 14 years bitcoin's price has continued to increase until now, meaning we can draw conclusions in the next 20 years bitcoin is much more valuable, right? So there is nothing wrong with preparing a pension fund as early as possible by storing it in bitcoin then I say it is something good, but so far only a few are doing it unless their goal is investment.

I have almost the same plan where I want to save in bitcoin for my children when they grow up, they can use the money for their needs, but until now it has not been realized because of limitations and some who have not been able to practice it.

Why is that and not consistent with yourself? Because I realize that when there is an opportunity for profit, it will be immediately withdrawn and will be used for other purposes, so far investment is only limited to wanting profit not as a retirement fund, maybe because now I'm too young so I don't think about it.

If in today's age, when they are only 20 years old, they can think of saving Bitcoin for their old age, of course that is a very good plan for a newly twenties person who can think of such things in reality.

I am pretty sure that he will go far in this field of the bitcoin business industry. Then, after 14 years of Bitcoin and more than a decade of cryptocurrencies, I can say that it can give people a good thing if they only understand and find out the brighter side of it, to be honest.

Bitcoin is a good opportunity of earning but it is volatile so if you put money into it and thought as it will give you a monthly pension then some months you will gain huge money but other months your pension will be lower due to volatile nature of bitcoin.

Consider bitcoin as a better opportunity for just investment but accept another thing as a source of pension which can give you a stable income like that of building a house a give it on rent or do something else but remember that don't choose volatile field.

Very good points, one needs to make sure that one completely understands everything before one gets to execute one's plans, especially when it comes to investing in cryptocurrencies with either savings money or a pension because both of these are very important for someone and their future. Not knowing the risks involved and the possible negative outcomes of an investment can be devastating for investor in the future once they experience extreme ups and downs in their journey.
This is why, it is essential for an investor to understand and know everything beforehand to avoid any problems and confusions later on.

I disagree with you Op, make your research and you'll find out that real estate investments has never lost its potentials values when it has to do with present and future investment. Let's not get it twisted, bitcoin is a good investment and very suitable for retirement establishment. You're right to say real estate investments such as the housings could collapse at when there's a crisis or can get on inactive operations during when there's a war and that is the major issue that's faced with the real estate investments, it also demands maintenances to the the assets orderly in used.

Op, you should be let known that real estate because is not such risky to looses such as bitcoin investment and so also, it's not affected by inflations which prioritizes a major threat of fear for bitcoin Investors who would had retired and needed money to solve their needs with an urgent retirement. Meanwhile bitcoin is an investment that if you must make it profitably then you must bargain on a long term investment. At this moment it'd be difficult for a pensioner to afford a quick income while they're on a long term investment and if they can't stick to that long term goal, then they're at the surge of counting looses whereas they couldn't stay patient while the markets appreciates to bring them profits. This is to say the volatility of bitcoin is the possibility of the bitcoin investment to encounter inflation which is depressing to a pensioner who doesn't have an alternative source of income.
You can also think about the possibilities of loosing your bitcoin asset's if by means you lost your seed phrases or you get them publicly exposed.
So Op, your point of view towards real estate investments wasn't enough to trash it's lucrative potentials.

If this kind of target is set to accumulate bitcoins up until retirement age, you have to make the details more specific.
What will be your retirement age? Is it the time you stop working in a company, or when you choose to stop being involved in the operations of your business? Will the plan be to stop investing at retirement? All these questions need to be answered.
Another opinion I have is that waiting until retirement is too long to enjoy the benefits from your investments in bitcoins. What if you die?

Is that an advice for somebody of really young age?
 As it is a brilliant investment plan, is it advisable to tell a really young person to have that as an investment plan?? Given that in the next fifty years, totally ANYTHING could happen?
If after years and years of growing your investment and something happens, unforseen circumstances, you dont have access to your coins for any reason whatsoever, that will be catastrophic.

In times like this when you really wish you had done that. Self investing in btc as a pension package for retirement is not a bad idea, btc is a trusted asset which is expected to be around for generations hopefully. I guess the fear of losing funds is very minimal except it is a mistake on the part of the investor.
Btc has outperformed some major assets in this recent market rise. It has made both long and short term investors lots of roi. Despite all the risk associated with such volatile assets, it always proves to be among the best choice in the various assets class.

Thinking about old age while being young is the smartest thing to do. We are all not getting any younger every year. Therefore, investing a certain amount of your earnings and leaving it untouched will be good insurance against all unforeseen situations that may happen. And it is precisely for young people that such a strategy can turn out to be very successful. And yes, of course, I mean investing in Bitcoin. But I would add the desire to achieve passive income, which could be provided by some X's received from profit growth, such as selling rental housing or premises.

The sooner you master complex things, the better. For example, I have been using the “10% rule” for many years. The essence is very simple: if you manage to make a profit, 10% of it goes into a separate account and serves as savings. Then the capital received can be invested further, but at the same time it cannot be sold; the main rule is that it must be in circulation.

For me it is a good retirement plan, we only need to have a complete access to it remember not your key not your coin.
If you're at your early twenties and you are investing or accumulating Bitcoin (Crypto currencies) as your retirement plan, you should do it on your own wallet that you have full access not on trading sites or online wallets provided by 3rd parties.
And if anything happens to crypto before they even retire they could just sell it all of and invest in other things, we couldn't be so sure that crypto or Bitcoin would still be strong at their retirement age if they are only at their early twenties.

Let's break it down.  Bitcoin's value is famously volatile.  While some predict a steady climb, there's no crystal ball.  Imagine planning your golden years on a price that could plummet, leaving you with way less than you bargained for. Many folks, especially beginners, find this volatility unsettling.  They understand the potential for massive gains, but the fear of a dramatic crash can be paralyzing.  That's why traditional assets like fiat currency or property, while less exciting, offer a sense of stability.

I can understand your trust in Bitcoin over fiat.  Traditional currencies can be susceptible to inflation, eroding your purchasing power over time.  Bitcoin, with its capped supply, offers a hedge against that. But is Bitcoin the only answer?  Diversification is key in any investment strategy.  Spreading your money across different assets helps mitigate risk.  Think of it like building a house – a strong foundation is crucial to weather any storms.

Investing in bitcoin might gained the biggest ROI these days but we don’t know in the future if it will remains the same. The volatility rate of bitcoin is very high that it could turn your investment into a multi million asset and the next day, its value have dropped down to its dips. So having this thought, this would bring a lot of depression if ever it happens one of these days.

I suggest just invest in bitcoin on your extra money. Learn to invest as well in other investments like gold, stocks or real estate so that when one investment fails, other investment might succeed. Diversification is the key. And don’t underestimate saving your own emergency funds before retirement. That will be your last key when all your investments did not work as planned.

Of course Bitcoin is valuable and profitable. Bitcoin investment is very helpful for those who have good knowledge about Bitcoin and have enough ability to hold Bitcoin. But of course advanced knowledge about Bitcoin must be complete without knowing anything about Bitcoin in general. It would be wise and realistic for someone to plan for a Bitcoin retirement in the early twenties because investing in Bitcoin would certainly make the Bitcoin price wiser and generate more investment success. If a person invests some percentage in it every month before retiring, the investment will be more acceptable.

Do not put all your eggs in one basket.
As my device is having errors, so Im not able to quote, for some reason, anyways, somebody said something on this thread, and it needs emphasis as I find it as truth. Diversification. There is no limit to the number of investment plans one should have, if you can shoulder it financially, and it's not just crypto,but stocks, properties...  You know, real estate, bonds, savings and even pension too if you're an employee.
I think diversification is the best that anyone on here would tell you.

Yes, it is not just wise and realistic but even a smart decision. If you’re in your early twenties and you consistently put in some money into the said wallet, before you get to the age of retirement, that would be a lot of money, and then assume that Bitcoin is now worth somewhere around half a million dollars (wild speculation), that’s going to amount to a lot of money.

Investment goals may vary - that's fine, but they shouldn't have just one asset in which they put 100% of their trust. Having some investment assets for retirement funds is good - of course it doesn't have to be just crypto assets like bitcoin, but gold and some other physical investment options are also worth considering.

Bitcoin can certainly give you returns worth it with the risk in the long term - but its price will always fluctuate regardless of whether it goes down or up. After all, you don't need to be a holder without having a target when to take profit - in fact you have to sell to maximize opportunities when high prices are reached and then accumulate when prices are low.

Why not? It has been proven that Bitcoin is really suitable for preserving value, and now we see Bitcoin is in its prime. If there are still a little or a lot of doubt about Bitcoin, you can start looking for second alternatives such as shares, gold or property, depending on which one is suitable for you.

So now you can have two places to invest, one is in Bitcoin and the other is somewhere else. Until now, there are still many who think that Bitcoin is not safe enough, but I personally subjectively prioritize Bitcoin because my portfolio is not large enough to invest in property and production machines.

Considering bitcoin as a choice for the pension is a great plan. One could enjoy his retirement life in a better way with the savings made in the form of bitcoin during his service. However, having a specific amount in the form of fiat is good because we don't know when the market for bitcoin will reach its highest value or when it will drop. At our needs, it might be seen at the bottom, and the same might make the long-term savings in bitcoin unprofitable. This can be avoided if one has the ability to hold. To have the experience, it is good to have a certain amount of money to meet unexpected needs.

Yup, we need ti diversify our investment and When it comes to pensions, isn't the government in a country is in charge of this? because that's where all the contributions you pay while you work go? Or even if you don't work, there is something called a self-employed contribution so that when your retirement age comes, you automatically have a pension to get. bitcoin is a good investment but since we know that its movement is volatile, we do not hold anything that it will last until our retirement age but hopefully it will reach that and it will really have a high value in the long run.

Having fiats will also help you to continue holding and not get temptation of selling Bitcoin when you're in need of fiats. When we tamper with our investments one time, we'll always go back to removing some more and if this continues we mightn't have any investment left. Don't sell your Bitcoin if you're investing for self pension therefore having cash is important. Bitcoin is a good investment and having it as a pension will make you to enjoy your retirement, when others are still working to receive salary in their old age, you'll be relaxing because you made investment in the right place and didn't waste your money. Bitcoin isn't going to end up like many pension scams that make those investing through them to regret when they want to take their pension out, you can always sell your Bitcoin for cash when you want to.

I wouldn't recommend spreading your investments in different coins as it's not a good idea, better to stick with bitcoin for hodling purposes, any speculation money should be a different budget and it's much better that way because that would mean that you're not going to mess with your money that's supposed to be for your pension that's in bitcoin form. In terms of investment diversification, I think it's a great idea to consider bitcoin but as @Mia Chloe said, "Don't put your eggs in one basket" especially with pension, you don't want to end up seeing teeter totter in price right? That's going to make you panic so bad.

I don't see any reason why you feel bitcoin is a better investment than owning a property which is also lucrative business, as you know bitcoin depends on electricity and any war could also really affect it to at least in some ares if the war is a major war and also government policies has been one major enemy of bitcoin.

The only reason why bitcoin would beat other form of investment is cause its a better store of value compared to fait, any other form of investment gives return of profits in fait and that seems to be a down side cause fajt continues to suffer inflation and the value of your returns would only get lower.


I love the fact that you used the word speculation cause as you know anything can happen and bitcoin rise to the top was a major shock to people cause no-one actually believed in it when it started, but your right for now cause the facts available shows us that bitcoin could last even longer as more adoption takes place.

But it's also reasonable to have in mind that there is also a risk involved where you might lose all your investment and get no profit at all, which Is a possibility and also the opposite, and IMO I think it's wiser to actually make decisions based on possible senerio, therefore you should also consider diversifying your investment Portfolio into other assets like having a major shares in a company, stock and bonds or even something as tangible as real estate, I'd you really are planning for retirement then I think you don't want to get disappointed if bitcoin fails you, so this is also a better option than having only one asset in hand.


To me it depends cause I've hardly seen any person at his youth that is balances enough to start planning for retirement unless he plans on retiring early, I have a friend that wants to retire at 30-35 and yes he could plan ahead with investment a major part if his savings in bitcoin and other asset.

Most youths would invest for their dreams, like lifestyle and to get to a better level of life. So yes It is wise and a good idea  to, there is nothing wrong with investment little amount of cash for retirement.

In the country where me I live in, I not seen any building which the owners are asked to pay task to the govement base at least not in this part of the country that I presently reside on, the only form of bills you need to pay for owner the house are your electrical bills and other personal expenses which you have to pay for as you use them and this bills and fees are to be paid by those who are living in the house, so the tenant are to pay for what they use and they pay the owner of the house their annual rent.

This same building over the year the owner will realize the money which was used to built the house and more will still be coming in from their and the value of that landed property will also be increasing as more development reach that area and their is less land to buy and build in, the only thing here is that you as the owner of the house will also have to spend a few extra cash in renovation as times goes on in other to meet up with innovation.

Yes it is and in my case I do. Accumulating bitcoin over the long term is part of my wealth building plan for my retirement. However, even if I had the possibility of investing in bitcoin through a derivative product that is included in a pension plan, I would not do so. I am the custodian of my bitcoin, and I also have a traditional pension plan, so they are not incompatible.

If not for war and whatever landed property still remains the best investment as time goes you know some people builds (invested) 20 years ago some 10 years ago you can't compared the building material for that year to this current world we are not presently, because all building materials has increased unexpectedly but the house still maintain same value and the rentage still maintain same value with the current renting stage. So, to me building and landed properties is the best investment and doesn't depreciate in price rather it's increases every single year and those who invested on time are the people who are enjoying the benefits.

For bitcoin you are free to start up a portfolio for you investment so that when you get upto age you can rely on it, but know that diversifying investment to other areas of life are also important because anything could happened and you won't know what next to do after putting your investing into place.

It is very wise and realistic for someone who has just entered their twenties to start collecting Bitcoin in preparation for funds when entering retirement. Investing in Bitcoin in the long term offers the potential for huge profits, investors who bought Bitcoin (some time ago) when it was still trading at a cheap price have made multiple profits when the price started to rise as it is currently trading.

Before setting up Bitcoin in a retirement plan requires a careful and informed approach, although it has the potential to gain huge profits with its extraordinary growth, Bitcoin also presents a number of risks that must be understood and managed well. Including Bitcoin in your retirement plans is not free from all risks. Bitcoin volatility means that its price can move very quickly in a short time.

Another risk that needs to be known is vulnerability to hacking and losing access to the wallet where you store Bitcoin. Even though asset security has been improved, this risk still exists. So, it is very important to increase your knowledge and understanding about maintaining asset security before entering it into pension funds, make sure you understand how this technology works, all the risks that might occur and how to secure assets.

If we have thought about our retirement, of course it is very important for us to still have a source of income when retirement age arrives, because it is very unlikely that we will still be able to do work when we have entered retirement age and if we have prepared from now then when we Of course, we have entered retirement age, so we can enjoy relaxing because we have prepared when we were young.
Of course, we all hope to be able to enjoy the Bitcoin we have invested now when we enter retirement age, but anything can happen that is beyond what we are prepared for, of course we have to be ready to face this.

The plan isn't too shabby and bitcoin's potential is undeniable. In addition to some of the issues you mentioned that the OP needs to be concerned about, what I'm most concerned about is whether the OP can accumulate bitcoin and hold it for many years until retirement? And this is not just an issue for OP but for all bitcoin investors, can someone afford to hold bitcoin for 20, 30 years and not sell any bitcoin? I bet you that no one will be able to do that, saying it seems simple and easy but doing it is another matter.

This is good advice to those who have not invest their capital on Bitcoin, now that they are young in age so that they will have something good to be proud with when the old age come to their life. Those that tested it some years ago to invest their monthly salary on Bitcoin when they where single brothers and sisters, but they are doing exploit as a married man or woman because they embraced the opportunity to save some wealth in Bitcoin without having the mind of touching them in the short period of time than to live them for a long period of time. I know there are still some people who will not listen to your advice in this thread OP, because they still lack the knowledge of Bitcoin investment which will be difficult for such person to take the advantage of Bitcoin investment.

This idea also comes up in my mind especially now bitcoin is going green. I hope someday i can invest more in bitcoin have it as my investment for the future. We cant predict what might happened in the future but bitcoin is the most popular so it will not be neglected or be out in crypto trading.

The only key on here or something that you should put up into your mind that there's no such thing about guarantees. Bitcoin might be existing and popular as of this moment but we cant be able to tell on 10-20-30 years time
on which we dont know if its still existing or still that been #1 into the market on which its value is really that way more than on what we do anticipate on which we are already thinking that your invested or save up retirement fund in form of Bitcoin is already something significant. Well, i cant blame out people on thinking up this way but never ever removed into your mind about the risks involved.

No one really knows on what would happen in the future and if you do put up all the money or savings you do have in Bitcoin then i could say that it is really that something risky to be done.
To minimize risks then you could be having that both traditional retirement savings and with BItcoin together on which you could really be having both options and you would
really be that confident at least in terms of assurance that you could really be having no problem in the near future when you do get old.

In crypto trading, Bitcoin is still the first to be seen by everyone who works as a trader and also as an investor. So now there are quite a lot of people who have started to believe in Bitcoin because they know that Bitcoin does have a pretty good future as an investment asset that needs to be taken into account and owned for the long term. If you really want to invest in Bitcoin in the future in larger amounts, you can start now slowly with minimal capital without the need to force yourself to immediately buy large amounts if your capabilities are still quite limited.

Of course Bitcoin is an excellent source of investment, and you can get a lot of money profit from it. But you have to keep in mind that you should not only invest in Bitcoin, but you should find other things where you can earn regularly. So you should always plan for Bitcoin investment as well as any alternative that you can expect good from. So you start a business that will pay you besides bitcoin investment. If you invest everything in crypto, then you can definitely face a lot of losses if the market goes into a lot of dumping. That is why you should plan more and invest as much as you can afford to lose.

Why not? I have seen and read a lot of stories where people have started investing in Bitcoin when they are still in their early 20s and they seem to be doing great with the process. All you need to do is save any money that you can, like cut down unnecessary expenses that you know wouldn't have an effect on your personal life and routine, and invest that money using the DCA method in Bitcoin either weekly, monthly, or bi-monthly, etc.

A mistake that most people make is that they start investing every single penny in Bitcoin, even the money that they need for other things, some would even sell valuable items or properties to invest the money in Bitcoin but I never recommend that because one should only invest money that they can spare for an unexpected amount of time because you never know what might happen in the market next, we can only make predictions.

Yes ofcourse, I would say bitcoin would be in fact a great retirement option because of it's intrinsic value.
Over the long term, bitcoin has proven to be one of the greatest assets to hold due to which I have myself decided to hold bitcoin for a long term.
If things go well then I will be able to hold my bitcoins untile retirement and probably retire early out of it.

Bitcoin is a very promising investment if done in the long term because it can minimize existing risks and also eliminate fear or panic when a downturn occurs, because after all Bitcoin will always fluctuate.
So long term is the best option to get good profits, and it's true, you should do it according to your means and you can also make periodic purchases when you have more money without having to force yourself and buy in large quantities.

This topic remind me of a poem title which I loved most in those days "A Government Driver on his Retirement" by Chibuike Onu. The driver was very happy in his retirement because he would not go to work early morning again and now he is a free man. But one thing I discovered from the poet, the driver didn't celebrate the part that he has saved enough money for his retirement but was only celebrating with merriment with friends and families. And at the end he has no investment but was sent back the society to continue from his childhood hustle. And that is why Bitcoin has come to this generation to aid the age group to liberate them from financial freedom after when the government has given them their retirement letters. They should invest in Bitcoin and enjoy their retirement with the Bitcoin investment.

If he can start with a small capital and still maintain thesame level of consistency, then he will gain from his investment. It is even adviceable that he begins his investment using the Dollar Cost Averaging method as a first timer so as to reduce his risks. Bitcoin investment is profitable when you can hold for very long period of time. The essence of holding for a long period of time is so the value of your investment can appreciate due to the fluctuations in the Bitcoin price.


In order to get value for your investment, you must be willing to allow it grow without withdrawing from it unnecessarily. The only way to achieve this is by having another source of income that will take care of your daily needs. Bitcoin no doubt has the potential of taking care of these needs but there are still days we witness Bitcoin price crash, will you withdraw at a loss to take care of your daily needs? Bitcoin investment is a profitable but high risk investment therefore, if you must invest, you invest right.

Bitcoin investment is the best, mostly for a long term holding, which is previous history price of Bitcoin show that in the near future Bitcoin price increases more than the current market price. Hence Bitcoin investment for a pension is a really good idea for a financial freedom wealth creation.

I believe that incorporating Bitcoin into my retirement plan could be a good idea. Considering its potential long-term growth, I see it as an additional opportunity to ensure financial stability in the future. However, I am aware that cryptocurrencies, including Bitcoin, can be highly volatile. Nonetheless, when looking at Bitcoin's historical chart, it has consistently shown growth over time. So, investing in it for my retirement seems like a good idea.

You are correct; before you retired, you should have started investing in bitcoin so that you could gain some experience and possibly profit if the price rises. Using bitcoin as a retirement investment is a very good idea because you will profit from it and you will not be concerned about anything; you will have time to focus on your investment and not think about anything since you have retired. When people talk about bitcoin on a daily basis, I become excited and believe the coin more, since if people are not benefiting from something, they will not call it names. and invite many people to try and invest in bitcoin. I will continue to introduce people to Bitcoin if they are interested to invest there funds with it, because some will just be saying they will invest but they won't because they are scared to risk there money in anything that engage in online.

The idea of accumulating Bitcoin for retirement is good, but it depends on many circumstances. If you aren't financially stable, then it's very hard to hold your Bitcoin until retirement. Because sometimes we need some emergency funds, like if we become sick, we need funds. In such a case, if you can handle touching your holdings, then accumulating bitcoin for retirement is the best choice. Those of us who are familiar with Bitcoin can simply do it by following the DCA strategy, even if we can't accumulate at once. So in summary, based on the situation, you have to decide what is best for you. Investing in other things hasn't been very profitable lately. 

Bitcoin has definitely build its own foundation and turn it into success when majority of the countries are still not supporting bitcoin, so how much more if these countries will suddenly become more open minded and interested about bitcoin. Bitcoin will certainly become more popular and will be more valuable when it comes to its price value.

Investing at this early is actually the best decision one can make. If you can take 5% from your monthly earnings, that would be massive already after 10 or 20 years. However, don’t just put all your eggs in a single basket. Diversify. You can be more secured financially and emotionally when at your retirement age, you will receive million profits out from your multiple investments.

As long as this is not your only plan then that is OK, this way even if for some reason your bitcoin investment failed you will still have a backup plan that you can use to have a decent retirement, however if your investment were to flourish, which is the most likely outcome if you can remain invested in bitcoin that long, then you could retire comfortably and maybe even retire way younger than your peers, so instead of retiring once you are sixty or seventy you could do so at least a decade earlier.

Well it's a bold move with its share of risks. Bitcoin's price can be all over the place, making it a bit unpredictable. To play it safer, think about spreading your investments across different things like stocks or real estate. Diversifying helps cushion the impact of Bitcoin's ups and downs, offering a more stable approach to securing your financial future

By choosing to include Bitcoin in your retirement fund planning, of course this is a very good thing, we can see that from the time it was first issued until now it continues to experience very good development and it would be very profitable if we could collect it to prepare for our good future, but because Cryptocurrencies are very fluctuating, of course we have to really understand them well so as not to make mistakes in collecting them and if we are able to collect them consistently until our retirement age, we will be able to gain profits in the future and also be able to enjoy our old age happily. have no financial problems.

Bitcoin is the best cryptocurrency for investment because it is the most secure and trusted coin It is possible to gain good profit by investing in it for long term, but we must not forget that Bitcoin also has risks. Bitcoin has the high volatilities. Just because the price of Bitcoin is doing well now but there is no guarantee that the price of Bitcoin will always be good.
And I think pension is very important in people's life and that is often needed in emergency moments.  So I would say invest only as much funds as you can afford to lose or hold in Bitcoin investment.  Because there may come a time when your bitcoins may be sold at a loss instead of a profit due to your situation.

Usually this idea comes to mind when the price of Bitcoin starts to increase. Those who have previously adopted this idea and invested are making profits with these increases. We should not be late to start some things.

Bitcoin is a very preferred investment method and Bitcoin has not caused any losses in the long run. Even in the current rise, Bitcoin continues to bring profit to its investors.

Bitcoin's volatile structure is important in terms of providing opportunities for investors. In this way, opportunities may arise to invest in Bitcoin.

I think before we invest into something, we have to be aware about its risks as well. And investing into bitcoin could create a lot of risks, that’s why we don’t have to limit our retirement investment into bitcoin only. We need to diversify our investment as early as possible so that we will reap huge amount of profits by the time of our retirement. Let’s say we can reserve 5% of our monthly salary into bitcoin and 5% into real estate or stocks, that way by the time we retire, we can say we will have a secured amount of pension funds.

It's a great idea to consider investing in Bitcoin as a retirement plan,but the golden rule, as with all investments, is not never keep all your eggs in one basket. I think setting a certain percentage of your savings to go towards Bitcoin investment, while also adding multiple other investments to your portfolio is the safest way to go about this.

Yes, Bitcoin has been very profitable so far, in the last 15 years but it's impossible to predict what's going to happen in the future especially if we are talking about your example with a person in his twenties. Technology is advancing fast and you can never know what's going to work out 20-30 years from now.

Traditional property renting has its own drawbacks. Though it's still a young and unstable market, bitcoin has potential. Flexibility is essential while you're in your twenties! For a well-rounded retirement strategy, think about investing in a combination of safer long-term investments.

Investment in Bitcoin is a perfect option for the future, but you should not put all your savings into Bitcoin. If you plan to invest a chunk of your money into Bitcoin on DCA, you are doing the right thing. By the time you touch 50, you will have more money than your fellow countrymen. Diversify your investment to offline assets such as gold, silver, property, etc., because this will give you a cushion against BTC price volatility. People in your community are doing the right thing. You should also invest some of your savings into property, and buy a house or an apartment. It is not wise to put all your money into crypto investment because of the rate of fluctuation we see in Bitcoin.