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In 1991 Billy and Akaisha Kaderli retired at the age of 38. Now, into their 4th decade of this financially independent lifestyle, they invite you to take advantage of their wisdom and experience.

5 Reasons Cryptocurrency Is Making its way into Retirement Plans

Lora Young

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Cryptocurrencies are an attractive asset that promises significant profitability. They have been steadily growing with some tokens like Bitcoin achieving new all-time highs. Such crypto achievements have led many people to consider adding a cryptocurrency investment to their retirement portfolio.

1.  Diversification

Cryptocurrency investments offer you a chance to diversify your retirement portfolio with various crypto investments along with your traditional financial assets like stocks and bonds. You can generate high returns from investing in crypto as part of your 401K. Combining your other 401K plans like mutual funds and exchange-traded funds with a crypto 401K plan can reduce risk and potentially improve the overall performance of your retirement portfolio.

You also have the ability to diversify the crypto investment in your retirement portfolio. For example, you could choose to invest in Solana after doing your research and understanding the conversion rate of SOL to USD. Alternatively, you could invest in other industries and projects supported by the blockchain like real estate, blockchain infrastructure, NFTs, or smart contracts.

2.  Hedge Against Inflation

Cryptocurrencies exist on a decentralized blockchain shielding them from being controlled by a single entity or a government. Conversely, fiat currencies are prone to government policies that may devalue your retirement money. If you are in a region experiencing hyperinflation, you can protect your retirement money from losing its value by converting it into cryptocurrency.

The borderless nature of crypto can allow you to transfer them across international boundaries easily without restrictions on capital movement or currency exchange imposed by governments. This is made possible because you can use cryptocurrencies from anywhere in the world, as long as you have an internet connection. Incorporating crypto investments in your pension scheme can hedge some of your pension assets against government actions or inflation.

3.  Changes the Way We Transact

Cryptocurrency transactions are recorded on public ledgers that cannot be altered or illegally manipulated by anyone making them transparent and secure pension plans. You also get direct ownership and control over your pension crypto assets unlike in traditional systems where financial institutions manage and control your retirement account.

Crypto pensions offer you a way to access your money without having to go to the bank. It also gives you the ability to send money to loved ones who don’t use traditional banking without having to go through a centralized authority. Your loved one can receive the funds you’ve sent often within minutes because of the speed and efficiency of crypto, unlike traditional banking which is vulnerable to intermediary delays with different time zones.

4.  Crypto Like Bitcoin Has Increased in Value

Bitcoin has significantly surpassed the return value of traditional 401K investments such as mutual funds over the past decade. Its scarcity and limited supply of 21 million coins have increased its demand as more people recognize it as a store of value. A lot of investors have capitalized on Bitcoin’s volatile price movements to generate profits further driving demand.

Holding crypto in your retirement account can also help you cut down on your tax liability crypto investment gains that you can't evade with traditional 401K investment options. Crypto has grown from a fringe movement to a widely accepted appreciable asset whose growth is likely to be replicated in the future.

5.  Empowers You to Benefit from Innovation

Cryptocurrency investments in your pension expose you to emerging crypto technologies and concepts in the blockchain space. Having crypto investments in your retirement portfolio signals trust and confidence in cryptocurrency projects that can influence other investors to align with these promising projects. You get to keep up with emerging blockchain trends and contribute insights to discussions about crypto innovations.


By incorporating crypto investments in your retirement portfolio you position yourself to diversify your assets and also partake in the ever-evolving blockchain world. While cryptocurrencies are highly volatile, making an informed investment to add to your 401K portfolio, can reduce the overall risk in your retirement funds. It's important that you do your research and assess your risk tolerance so that you can evaluate whether cryptocurrency is a smart investment for your personal retirement goals. 

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About the Authors

Billy and Akaisha Kaderli are recognized retirement experts and internationally published authors on topics of finance, medical tourism and world travel. With the wealth of information they share on their award winning website, they have been helping people achieve their own retirement dreams since 1991. They wrote the popular books, The Adventurer’s Guide to Early Retirement and Your Retirement Dream IS Possible available on their website bookstore or on

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