What do you think about making bitcoin your pension plan?

[Powerjumboo]

I’m not sure if OP fully understands the term used in the title. A 'pension' is a fixed sum paid regularly by the government or an employer
to a person after they retire.

Is there actually a government that distributes Bitcoin as a monthly pension to retirees? As far as I know, no such country exists yet. It would be more accurate to talk about 'saving' Bitcoin yourself until you reach retirement age. At least that way, you benefit from the long-term appreciation
of Bitcoin’s value by the time you're a senior citizen.

Yes, you are absolutely right because the government pays pensions to government employees and some private employers pay pensions. However, to pay this pension in Bitcoin, the government must accept Bitcoin. If Bitcoin transactions are ongoing in that country and it is officially legal, then Bitcoin can be given and received as a pension in that country. However, as the OP said, this is not possible in every country until the government officially introduces Bitcoin in that country. However, each person can save Bitcoin for old age to create a very large support in old age.

[blockman]

Adding bitcoin into one's portfolio is a smart decision because it grown from nothing to 100K in the 17 years so imagine how much it will be in the next 30 years but you can't say I am going to keep bitcoin as my only saving plan for my reitrement which can be risky move so just add into your portfolio along with other possible assets like gold, stocks, real estate.

You can add other options to support your bitcoin investment and that's just fine because there are other retirement plans that we can do. But someone who's got a larger portfolio from Bitcoin don't have to be worried about it anymore. They can rely on it after several years if they're near their retirement. There are holders who have retired too early already and they're not stopping from holding it. All they have to do is to sell like they're DCAing in accumulation and that makes sense for them as that serves the retirement plan or pension that OP says.

[Livingleged]

I’m not sure if OP fully understands the term used in the title. A 'pension' is a fixed sum paid regularly by the government or an employer
to a person after they retire.

Is there actually a government that distributes Bitcoin as a monthly pension to retirees? As far as I know, no such country exists yet. It would be more accurate to talk about 'saving' Bitcoin yourself until you reach retirement age. At least that way, you benefit from the long-term appreciation
of Bitcoin’s value by the time you're a senior citizen.

Yes, you are absolutely right because the government pays pensions to government employees and some private employers pay pensions. However, to pay this pension in Bitcoin, the government must accept Bitcoin. If Bitcoin transactions are ongoing in that country and it is officially legal, then Bitcoin can be given and received as a pension in that country. However, as the OP said, this is not possible in every country until the government officially introduces Bitcoin in that country. However, each person can save Bitcoin for old age to create a very large support in old age.

Seems you all don’t really understand what the OP is trying to to say or it is me that is probably not getting the whole stuff, from what I picked the OP is thinking the pension scheme are not very transparent and not favorable so to breach that cap, he’s thinking of another alternative mean which is planning his pension money around bitcoin investment just like the way you contribute to pension companies on a monthly basis so when you retire  you will be given back your contribution with interest, you can as well do that with bitcoin  by your self without any body, start by saving monthly to acquire some fraction of bitcoin which will serve the purpose of pension funds when you’re old.

I dont think he’s saying governments should do that or anything the idea is for individuals to plans their pension funds using bitcoin since it has a higher return rate over a long time and there will be no fear of inflation over time  it would rather gain  a lot of value.

[Onyeeze]

Generally everyone knows youthful age is a space of time used to build wealth for future purposes because reality states that everything new must grow old, so as human..

What you said right now is one of the things that happens and if the youth final to utilize their youthful Age on time it may lead them to be frustrated in life , so I believe that I've said youth we need to work together by making use of our time and achieve what to are supposed to achieve during our own time but some persons do not like do you like their time they may be thinking but they have more time to be used but before they could know they have been aged and will be unable to do those things they are supposed to do at the early stage, so what about you are doing what you know that time is very important

[Peanutswar]

Before making the bitcoin as your pension plan seems you need some plan at the same time how you will manage this what are your entry and exit plan. Are you just into make DCA of the bitcoin and just pull it up once you get satisfied or you make a one time deposit and wait until your designated age for your retirement but again its volatile so possible your hardly earned bitcoin becomes less valuable on the time you wanted to retire.

Better to have different option than the use of the bitcoin instead make an investment and separate for your pension because by that you dont need to worry for money when the time has come and now if you become successful in your bitcoin journey you can earn extra that you can use for your leisure and enjoy your money.

[purple_sparkles]

I think that savings should be distributed across several directions, as our world and its economic trends are constantly changing, so it makes sense to hedge and diversify. I also consider bitcoin to be one of the good and promising assets, but there are other options as well, various stocks and bonds of developing companies, or assets that have demonstrated stability over many decades. One needs to be prepared for different scenarios, but it definitely doesn’t make sense to rely on pension funds. I doubt that today’s younger generation will see decent pensions provided by the state.

[CryptoYar]

[...]

You are correct that putting small retirement fund into very dangerous investment such as Bitcoin is risky since old are on set incomes, and this is where they cannot easily make up for lost money, especially when they have to deal with rising health costs and unknown diseases. It will surely not be enough to cover high prices that go with old age, but even 2.8% cost of living increase on Social Security that was just told to public this month is difficult to keep up with rising price.

I think most right time to risk is when you are young and have many years of paychecks to get past market drops. I totally agree with fact that it is careless to use survival money of old person to invest in Bitcoin unless they are rich and they clearly ask and want old person to invest in this digital money or it should stay in safe and steady places. Use Senior Safety checklist to make sure that older people in your life are not victims of crypto tricks that will be common in 2026.

[DeeppRockk]

[...]

You are correct that putting small retirement fund into very dangerous investment such as Bitcoin is risky since old are on set incomes, and this is where they cannot easily make up for lost money, especially when they have to deal with rising health costs and unknown diseases. It will surely not be enough to cover high prices that go with old age, but even 2.8% cost of living increase on Social Security that was just told to public this month is difficult to keep up with rising price.

I think most right time to risk is when you are young and have many years of paychecks to get past market drops. I totally agree with fact that it is careless to use survival money of old person to invest in Bitcoin unless they are rich and they clearly ask and want old person to invest in this digital money or it should stay in safe and steady places. Use Senior Safety checklist to make sure that older people in your life are not victims of crypto tricks that will be common in 2026.

Bitcoin in pensions? It's a double-edged sword. Volatility could wreck someone on a fixed income. Remember 2018? People who went all-in got scorched. Diversification isn't optional here-maybe 5-10% in BTC paired with stable assets. But security cant be an afterthought. Hardware wallets and properly stored seed phrases are non-negotiable. 

Current prices around $89k and low fees might look stable, but Bitcoin's history shows wild swings. It's a powerful tool, not a magic bullet. Pension planning needs to balance growth potential with sleep-at-night safety. Most retirees prioritize peace of mind over high-risk bets

[Mpamaegbu]

OP, the idea of Bitcoin for a pension plan is great since it's expectedly a long term thing. Definitely, Bitcoin is more likely to go way above its current price level in the next 12 years which is three circles ahead no matter what dip it's going to experience. I've a little practice as an experiment I do. I've done it twice now in a row and very successful with it. I took out funds for something I was about doing in a coming year and invested into Bitcoin. By the time it got to that year, my investment more than tripled. I was able to execute my stuff effortlessly. With that in mind, I believe the pension idea will also be fruitful.

But nothing is really certain except maybe death.

Even death, not everyone will die. 🤔

[MainIbem]

OP, the idea of Bitcoin for a pension plan is great since it's expectedly a long term thing. Definitely, Bitcoin is more likely to go way above its current price level in the next 12 years which is three circles ahead no matter what dip it's going to experience. I've a little practice as an experiment I do. I've done it twice now in a row and very successful with it. I took out funds for something I was about doing in a coming year and invested into Bitcoin. By the time it got to that year, my investment more than tripled. I was able to execute my stuff effortlessly. With that in mind, I believe the pension idea will also be fruitful.

But nothing is really certain except maybe death.

Even death, not everyone will die. 🤔

Almost everything you've just said makes sense except your last statement "Even death, not everyone will die." Uhmm I don't know if you're into science or studied biology to know about MR NIGER D which are the key things that differentiate living things from non living things and the D there stands for Death which means every living organism would definitely undergo death someday. Except maybe you one of those who believe vampires or immortals do exist, are you one? 🤔

[Mpamaegbu]

~ 🤔

Yeah, I know of the biological MR NIGER D and what that acronym represent. My point is still clear – Not everyone will die. It's a simple logic. Death is inevitable as an attribute of living beings (animals and plants inclusive) but not everyone will taste it. Now, let me be a bit explicit (that's since my first statement got you a bit perplexed). If everyone dies, that means there won't be procreation anymore, right? Again, the Bible teaches the second coming of Jesus Christ. There will definitely be those who will witness that, right?

Did you get my point now?

[Agbamoni]

I think making Bitcoin a pension plan is a good idea. Most people are actually doing it. While some people have yet to choose a retirement plan. The reason why I chose Bitcoin is the fact that it stores value.

In the meantime, I'm trying to focus on how to grow a business, set up a company that will yield massive resturns int he future so that I can confidently start planning towards my retirment plan.

[Findingnemo]

Adding bitcoin into one's portfolio is a smart decision because it grown from nothing to 100K in the 17 years so imagine how much it will be in the next 30 years but you can't say I am going to keep bitcoin as my only saving plan for my reitrement which can be risky move so just add into your portfolio along with other possible assets like gold, stocks, real estate.

You can add other options to support your bitcoin investment and that's just fine because there are other retirement plans that we can do. But someone who's got a larger portfolio from Bitcoin don't have to be worried about it anymore. They can rely on it after several years if they're near their retirement. There are holders who have retired too early already and they're not stopping from holding it. All they have to do is to sell like they're DCAing in accumulation and that makes sense for them as that serves the retirement plan or pension that OP says.

If someone bought bitcoin in lump sum even before 10 years ago they will be insanely rich right now so yes they are enjoying their early reitrement but we can't say the same thing sill happen in the next 10 years too like if someone buy bitcoin at 100K they will not be making 100x like they did from 2016 to 2026.

Still bitcoin is a great thing but relying enitely if someone is just starting today and plan to reite in the next 30 years then I will say I am not sure about that.

[tbct_mt2]

If someone bought bitcoin in lump sum even before 10 years ago they will be insanely rich right now so yes they are enjoying their early reitrement but we can't say the same thing sill happen in the next 10 years too like if someone buy bitcoin at 100K they will not be making 100x like they did from 2016 to 2026.

Still bitcoin is a great thing but relying enitely if someone is just starting today and plan to reite in the next 30 years then I will say I am not sure about that.

Your saying is with a big assumption that those people did not sell their bitcoins too early and they still hold bitcoin in 2025 or 2026 years. While we know that it's really hard to hold bitcoin in 10 years with many bull and bear market together with a lot of fud. In past years, when Bitcoin market was younger and more sensitive to fud and regulations, it was harder to maintain strong belief in bitcoin and able to hold bitcoin with diamond hands.

From now, Bitcoin ROI with years and cycles will become smaller than past years and previous cycles but I believe that if we can invest and hold bitcoin for 10 years toward the future, ROI would be very good, just not exponential like past cycles.

A recommended withdrawal strategy from JayJuanGee.
https://bitcoindata.science/withdrawal-strategy

[Tmoonz]

I’m not sure if OP fully understands the term used in the title. A 'pension' is a fixed sum paid regularly by the government or an employer
to a person after they retire.

Is there actually a government that distributes Bitcoin as a monthly pension to retirees? As far as I know, no such country exists yet. It would be more accurate to talk about 'saving' Bitcoin yourself until you reach retirement age. At least that way, you benefit from the long-term appreciation
of Bitcoin’s value by the time you're a senior citizen.

Yes, you are absolutely right because the government pays pensions to government employees and some private employers pay pensions. However, to pay this pension in Bitcoin, the government must accept Bitcoin. If Bitcoin transactions are ongoing in that country and it is officially legal, then Bitcoin can be given and received as a pension in that country. However, as the OP said, this is not possible in every country until the government officially introduces Bitcoin in that country. However, each person can save Bitcoin for old age to create a very large support in old age.

That's true and while government of any nation will be considering to officially accept Bitcoin individuals can keep collecting Bitcoin with as little as they can because it could be that somewhere along the line the government that didn't accept can start accepting Bitcoin and to a Bitcoin investor who already has been collecting Bitcoin it will become an added advantage if the government later becomes Bitcoin friendly, surely if a Bitcoin enthusiast happens to  assume a government position where they can influence the stand of the previous government over Bitcoin, Bitcoin is indeed a great store of value which can be set up as retirement paycheck for old age or for generational wealth.

[Dareo]

Talking about making bitcoin your pension plan from my experience with bitcoin I've seen it change into different prices within a few years,
My concern is with the rise of local commodities rising,  the value of fiat dropping rapidly, most importantly war's everywhere one might endure a tenure of war and anything it may be because no one knows what will happen tomorrow but one thing is certain, bitcoin price must surely skyrocket and you can choose to find peace and be king anywhere you wish as long as you own bitcoin.

Well, it's natural to feel fearful about the future as you get older especially when there's so much uncertainty around you, for many Bitcoin has become a place of hope. However I personally think Bitcoin can provide peace of mind, but not complete certainty. The market can go up or down just as much as it can, I like those who see Bitcoin as part of the future, not everything. In the end people are not just looking for price, they are looking for emotional security.

[Cryptomultiplier]

I’m not sure if OP fully understands the term used in the title. A 'pension' is a fixed sum paid regularly by the government or an employer
to a person after they retire.

Is there actually a government that distributes Bitcoin as a monthly pension to retirees? As far as I know, no such country exists yet. It would be more accurate to talk about 'saving' Bitcoin yourself until you reach retirement age. At least that way, you benefit from the long-term appreciation
of Bitcoin’s value by the time you're a senior citizen.

Yes, you are absolutely right because the government pays pensions to government employees and some private employers pay pensions. However, to pay this pension in Bitcoin, the government must accept Bitcoin. If Bitcoin transactions are ongoing in that country and it is officially legal, then Bitcoin can be given and received as a pension in that country. However, as the OP said, this is not possible in every country until the government officially introduces Bitcoin in that country. However, each person can save Bitcoin for old age to create a very large support in old age.

That's true and while government of any nation will be considering to officially accept Bitcoin individuals can keep collecting Bitcoin with as little as they can because it could be that somewhere along the line the government that didn't accept can start accepting Bitcoin and to a Bitcoin investor who already has been collecting Bitcoin it will become an added advantage if the government later becomes Bitcoin friendly, surely if a Bitcoin enthusiast happens to  assume a government position where they can influence the stand of the previous government over Bitcoin, Bitcoin is indeed a great store of value which can be set up as retirement paycheck for old age or for generational wealth.

Any long term thinking Bitcoin investor can kill two birds with one stone by, holding now both as a pension plan and for generational wealth, because I believe both is achievable with a steady DCA plan and while old age might just be a few years from now, the younger generations would catch up and go further with whatever knowledge and safe practices we pass down to them along with the upgrades of their time.

The Bitcoin market is ever evolving and it still remains a safer mode of ensuring wealth preservation and value of currency in this present day where inflation and devaluation of currency remains a key factor of control by the government to keep the citizens poorer and the rich, richer.

[fikrett]

If someone bought bitcoin in lump sum even before 10 years ago they will be insanely rich right now so yes they are enjoying their early reitrement but we can't say the same thing sill happen in the next 10 years too like if someone buy bitcoin at 100K they will not be making 100x like they did from 2016 to 2026.

Still bitcoin is a great thing but relying enitely if someone is just starting today and plan to reite in the next 30 years then I will say I am not sure about that.

The potential is there, but proper planning is needed to achieve something in the end.

Without it.. it's pretty much pointless.

[atookz]

There are several real concerns of inflation, fiat debasement and worldwide uncertainties like war thus should be taken into consideration. Bitcoin can become a hedge in such situations. Nevertheless, I would rather have Bitcoin in a diversified portfolio with other assets. It is necessary to diversify to minimize risk and enhance profitability. It is important and paramount to see to it that a secure, peaceful and sustainable retirement is guaranteed.

[Z-tight]

There are several real concerns of inflation, fiat debasement and worldwide uncertainties like war thus should be taken into consideration. Bitcoin can become a hedge in such situations.

Yeah, BTC can be a hedge to inflation and stuff, but take note that it is not the best option of a safe haven asset. It still gets affected by situations like that and the impact depends on the situation as well. However, for the one who is patient, it is sure to rise back up again sooner or later. My point is, if you are looking for a safe haven asset, then gold is probably your best option.

Nevertheless, I would rather have Bitcoin in a diversified portfolio with other assets.

I agree, but surely not with other shitcoins like a lot of people do. Other assets have to non-crypto, i.e. gold, stocks, bonds, real estate, treasury bills, mutual funds, etc.