Will I be Able to Retire on Crypto by 2030?

Why are you in crypto? I know, I know. A lot of you are “in it for the tech”. But most of you are here to make money. Risk/return profiles in crypto are better, especially for young people than any other asset class.

So it got us thinking. Can you retire on your crypto investments? And what does a realistic crypto portfolio for the next 6 years look like if you wanted to retire then? That would be 2030. Well, let’s find out together.

How Much Do You Need to Retire in 2030?

If crypto is going to fund your retirement, then the first question is how much do you need? We are using the year 2030 as a baseline. Given that this is 6 years from now, if current trends hold (and who knows if they will), that would mean 2 more bull markets maybe 3 and at least 2 bear markets to follow.

That’s important to know and understand. It’s also important to know that just because we’ve had mostly 2-year cycles of bull and bear markets does not mean this will continue.

So we have to be ruthless in our investment selection. The answer to this question is unique to each individual. But there are some assumptions we can make. For example, if you are outside “The West” meaning not in the US, Canada, Australia, New Zealand, Western Europe, and places like Singapore and Dubai, then you can survive on much, much less.

Also, for most of the rest of the world, if you had between $500,000 and $1 million, you would have more than enough to retire. For “The West”, the number is more difficult to calculate. Many financial advisors recommend either a 4% return on your principal or a 4% withdrawal rate.

Given that, in the US or Canada, with $2 million and good discipline, you can earn $80,000 in interest without ever touching the principal. OR with a 4% withdrawal rate, you’d have $80,000 for 25 years. Do you think you could retire on either $1 million or $2 million where you live? Or More? Or less? Let us know in the comments below.

The Retirement Portfolio

So to make the numbers easy, we will use $500,000 for outside The West and $2 million for in The West. That means on a 10k investment you need to 50x or 200x respectively. Doable? In crypto, yes. But difficult without taking extraordinary risks like gambling on memecoins. But definitely doable with quality projects long-term. Here is what the ideal portfolio looks like to us with a minimum of 6 coins.

1) Bitcoin

Bitcoin. You can’t have a portfolio without Bitcoin. If you do, you’re doing it wrong. It’s the original and the best. Plain and simple. Now 2030 is 6 years away. So as a reference point, how did Bitcoin do in the last 6 years?  On May 6, 2018, the price was $9634. Today’s price is $64,100. That difference is a 565% or 5X return.

This is a great start in getting us where we need to go. And that 5x was without all the buying from the ETF funds in the US and now Hong Kong OR the reduced supply from 2 halvings. So a greater than 5x return in the next 6 years is highly possible.

2) Ethereum

This one is controversial as there are lots of Ethereum lovers and ETH haters out there. Trust me I know. Even our team at Altcoin Buzz is split on the idea. But one area where we agree is that:

  1. It has by far the most alt-liquidity.
  2. It has by far the most dApps.
  3. It has the network effects related to #1 and 2.

So it has a place in our portfolio as well. And how did ETH do in the last 6 years? If you think also very well, then you are right. On May 5, 2018 $808. Today it is worth $3140. That makes for an ROI of just under 3x at 258% or almost 3x.

Again, great for the base of our portfolio. Because smaller and more volatile projects can potentially gain more or lose more than these two. Let’s check out the rest of the portfolio.

The Rest of the Portfolio

We have the top 2 projects and the biggest of large-cap projects out of the way with Bitcoin and Ethereum. So what else do we add? We see 3 sectors that just aren’t going away. In fact, they will only get exponentially larger in the next 6 years. They are AI, DePIN, and RWA.

We see a couple of ways to add these to a portfolio. Using your allocation to buy 1 or 2 leaders is one. Or buying a leader and a small cap is another. Our next video will break this down in much more detail. But the point is regardless of the size of your portfolio, you need exposure to these 3 sectors if you want that 50X or 200X that you will need to fund your retirement.

It’s really a simple question. Do you think AI will be more a part of our lives or less 6 years from now? Then ask this about DePIN and Real World Assets. The answers are pretty obvious. The most obvious Yes is in AI and in the tokenization of assets. Soon every asset class will have tokenized assets breaking them down into smaller pieces so anyone can invest in them who wants to. In AI, we have:

  • Render.
  • Akash.
  • Golem.

For RWA:

  • Centrifuge.
  • Goldfinch.
  • Ondo.

Also, In DePIN:

  • Arweave.
  • Peaq, a newer project.
  • Polymesh.


Then the last of the 6 coins you need in your 2030 retirement portfolio is a memecoin. I know. I can’t believe I’m saying it either. But memecoins have a place in our industry, for better or worse. Picking 1 right one can negate MANY other portfolio errors. That’s because the ROI can be so much AND so fast.

Check out this example of a 5 memecoin portfolio. You can write A LOT of wrongs with a big memecoin ROI. OR it pushes your whole portfolio over the top. In this example, 4 out of 5 went to zero. A couple probably rugged you. Yet, the one was a big one. Something to remember.

In our next video on Crypto Retirement, we go over coin options in these sectors and how to put this plan in place. Stay tuned for that.



The information discussed by Altcoin Buzz is not financial advice. This is for educational, entertainment, and informational purposes only. Any information or strategies are thoughts and opinions relevant to the accepted levels of risk tolerance of the writer/reviewers and their risk tolerance may be different than yours. We are not responsible for any losses that you may incur as a result of any investments directly or indirectly related to the information provided. Bitcoin and other cryptocurrencies are high-risk investments so please do your due diligence. Copyright Altcoin Buzz Pte Ltd.


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