Bitcoin for Retirement: What $100/Week Could Become
The traditional retirement playbook is simple: contribute to your 401(k), buy index funds, wait 30 years. It works. But what if a small portion went into Bitcoin?
Your Retirement Calculator
Enter your age and weekly investment amount. This projects what your savings could look like at 65 across three strategies.
35 years until retirement at 65. Total invested: $182,000
Projected returns based on historical CAGRs. Bitcoin uses a conservative 15% (actual historical ~30%). Past performance does not guarantee future results. This is not financial advice.
Why 15% CAGR for Bitcoin?
Bitcoin’s historical CAGR has been extraordinarily high since inception, far exceeding any traditional asset class (source). We use 15% as a very conservative projection because:
- As Bitcoin’s market cap grows, returns will likely moderate
- Past performance doesn’t guarantee future results
- We’d rather under-promise and over-deliver
Even at 15% CAGR (a fraction of historical), Bitcoin significantly outpaces the S&P 500’s 10% historical average.
The 1-5% Allocation Strategy
Most financial advisors who are Bitcoin-friendly suggest allocating 1-5% of your portfolio to Bitcoin. The asymmetry is the point: if Bitcoin fails, you lose 1-5%. If it succeeds, that small allocation can transform your total returns.
A $100/week DCA split: $90 to index funds, $10 to Bitcoin. That’s a 10% allocation, and even that small amount compounds dramatically over decades.
Start Now, Not Later
The single most powerful variable in retirement savings is time. A 25-year-old investing $50/week has more runway than a 45-year-old investing $200/week. The math is merciless: starting 10 years earlier can double your outcome.
This is not financial advice. Projected returns are estimates based on historical data and should not be relied upon for financial planning decisions.