Is bitcoin suitable for retirement planning?

Bitcoin can be part of a diversified retirement strategy. Bitcoin can also be highly volatile and should typically represent only a portion of your retirement portfolio. Consider your risk tolerance, investment timeline and overall financial situation before investing in any asset - bitcoin or otherwise.

How much bitcoin should I hold for retirement?

The right amount depends on your risk tolerance, age, and financial goals. Use our calculator to model different scenarios and if you have any questions, speak with one of our Executive Bitcoin Advisors

What's the 4% rule and does it work with bitcoin?

The 4% rule suggests you can safely withdraw 4% of your retirement portfolio annually without running out of money. This is based on Trinity Study’s safe withdrawal research.

Can I use Bitcoin in my 401(k) or IRA?

Direct bitcoin ownership requires a self-directed IRA. Consult with a financial professional about the best approach for your situation.

How do I secure my bitcoin for long-term storage?

Long-term bitcoin storage requires careful planning. Options include hardware wallets and multi-signature setups. We recommend self-custody to all our customers; we never recommend holding significant amounts of bitcoin on exchanges.

Can I retire on bitcoin alone?

While some have achieved financial independence through bitcoin, retiring on any single asset can be risky. Consider bitcoin as part of a broader retirement strategy that includes other assets, skills, and income sources.

How much bitcoin do you really need to retire?

By Steve Mahoney

/ 2025-08-08

Steve Mahoney

Steve has self-custodied bitcoin since 2016 -- before SegWit, Taproot, or ETFs -- weathering three halvings and two bear markets. As Digital Marketing Specialist at Bitcoin Well, he turns security-first best practices into plain English for newcomers.