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How to Build a Strong Cryptocurrency Retirement Portfolio to Retire Comfortably Before 65



When people think of retirement portfolios, they think of the collections of stocks, Bonds, real estate, and other alternative assets but bitcoin and cryptocurrency. Most financial advisors and people in that field believe crypto is a no go to include in the retirement portfolio. But the question is, are these Wall Street gurus and financial advisors correct about not investing in bitcoin and cryptocurrency for retirement, or will they miss out on the greatest wealth transfer of our generations? This article will look at how we can build a strong cryptocurrency retirement portfolio to retire before 65 years old or retire comfortably.

Creating a solid retirement portfolio is more challenging than it sounds because people think that all they have to do is get money, find a right crypto projects and then set and forget it. Making a strong retirement portfolio requires a lot of discipline, commitment, and knowing when you want to retire and how much you need to satisfy your lifestyle without depending on any company or Social Security benefits.

To speak the truth, 99% of the world’s population will never see a million dollars in their lifetime because they are lazy, don’t like to take risks, and are not mentally strong enough to hold to a stock, bitcoin, or any assets for more than 5 years. Most investors and traders believe that taking a small profit here and there is the way to wealth. However, OG investors like Warren Buffet held their investments for many years, and now they have enough money that would last for many generations after them.

It is hard to build wealth, especially for retirement, if you aren’t disciplined enough to hold on to a crypto project for more than 5 years to give it a chance to grow to its fullest potential. But there is one thing that we cannot ignore when it comes to investing in crypto. Crypto is risky and unregulated, which leads to people losing their money and having nowhere to ask since cryptos and exchanges can’t get bailed out by the government like other financial institutions.

But one thing we know for sure is that many countries are starting to see the potential of cryptocurrencies, which is why countries like El Salvador and the Republic of Central Africa have adopted Bitcoin as their legal tender currency. However, it didn’t replace their local currencies.

Due to many failures of some cryptocurrencies and exchanges, such as FTX, Celsius Network, Terra Luna Classic, and other crypto projects that have collapsed, regulators, “especially the US and European Union,” started calling for the regulation of cryptocurrencies. Ideally speaking, bitcoin and other altcoin are supposed to be decentralized, but due to bad actors in the crypto industry, investors and governments are calling for regulation that can eliminate criminals that steal people’s funds in the name of decentralization.

So how do you create a strong retirement portfolio in the cryptocurrency industry, and how much of your wealth should you put toward these investments? Since crypto is a new class of asset with no history to look back on, like stocks and bonds, experts recommend spending less than 5% of your portfolio on cryptos and investing the other 95% in stocks, bonds, real estate, Roth IRA, 401K, businesses, and other regulated investments.

How should you invest 5% of your wealth on crypto as a side retirement portfolio? First, you must figure out how much you are willing to invest every month and how long you want to stay in the market. Those two questions will help you to have a clear vision of where you are going and how long it will take you. Second, you need to know the difference between DeFi, Stablecoin, Smart Contacts, and currencies.

In short, DeFi is a crypto niche that offers financial services like borrowing and landing without a mediator like exchanges or brokerages. DeFi is like a bank that is run by a smart contract on the blockchain. Also, DeFi projects pay higher interest rates on your funds compared to your local banks. Examples of DeFi projects are Uniswap, Maker, Aave, Tectonic, Compound, and more.

In your crypto retirement portfolio or Side Portfolio, you should invest 20% of your crypto budget in DeFi because investing in DeFi right now is like investing in banks before they IPO on the stock market exchanges. It is highly recommended that you invest in matured Defi projects that pay less interest because projects with high interest tend to carry a lot of risks.


2nd, invest in currency cryptos. Currency cryptos are projects that can only be used as peer-to-peer payment. Examples of currency cryptos are Bitcoin, Stellar Lumens, ZCash, Dash, Dogecoin, and other cryptos used only as currencies. This type of crypto will take over the world, especially in Africa, Asia, South America, and other places where banks are less efficient than banks from developed countries like the United States and the European Union. Also, if you didn’t know, the money you have in your local bank account is not yours because banks and government can freeze them whenever they want to. So, for this reason, people will rely more on the cryptocurrencies like bitcoin, dogecoin, and Zcash for cheap and fast services. Also, people will use these types of currencies more than bank services to have complete autonomy over their funds. So how much should you invest in peer-to-peer cryptos? I would say 20%. However, 10% should go to bitcoin since it seems to be the biggest crypto out there, and the other 10% should go toward other currency cryptos of your choice.

3rd, Invest in smart contract crypto projects. A smart contract is a crypto project with blockchain that people and companies can use to build projects. An example of smart contract cryptos is Ethereum which is second to bitcoin in the market cap, Polygon, Avalanche, Cosmos, Cardano, and more. These are the best crypto niche in the industry because the smart contract has many cases of uses. So how much should you invest in the Smart contract cryptos?

You should Invest 20% of my crypto portfolio funds. 10% would go to Ethereum since it has shown that it has a huge potential and invest another 10% in the smart contracts cryptos of your choice.

4th I would Invest 10% in the stablecoins. Stablecoins are currencies or cryptos that are pegged to the dollar or commodity. These coins are usually stable because one stablecoin token equals one dollar. The best example of Stablecoin is USD Coin, Tether, Binance USD, DAI, etc... It is recommended to do a lot of research on these stablecoins because a lot of them could be tied to failed companies. For example, Tether had strong ties with Alameda research which could be a red flag if you want to invest for the long hole. These coins are great for those getting closer to retirement because stablecoins give safety since you don’t have to deal with market swings because remember, one stablecoin is and will always equal one dollar.


The 5th crypto niche you should invest in is cryptos that are tied to NFT. NFT is a nonfungal token, meaning they are unique and can’t be replaced. Investing in NFT is like investing in art but on the blockchain. In the future, the government can use NFT blockchain technology for real estate deeds, state Identification , and other government services since NFT can’t be duplicated. In a few words, NFT is an authenticated ownership of something. The best examples of tokens related to NFT are Tezos (XTZ), Minted Network (MTD), Theta Token, and more.

How much should you invest in NFT crypto projects? Invest 14% of your crypto funds in NFT-related crypto projects. This investment field is still in its infancy. Many people did not know what NFT was until 2020 when people were looking for ways to make money during the covid-19 lockdown.

The 6th crypto niche you should invest in is the Metaverse. A Metaverse is a virtual world where people can buy lands, build businesses, perform concerts, and other things that people can’t afford to experience in the real world. Computer scientist believes that Metaverse is the next big thing. Companies like Facebook are heavily invested in this project. On top of that, Facebook changed its name to Meta to match the name of this blockchain niche (Metaverse). Examples of Metaverse-related cryptocurrencies are Decentraland (Mana), Sandbox, Apecoin, and more.

How much Should You invest in the metaverse cryptocurrency projects? I recommend 14%. Metaverse is one blockchain niche that will play a significant role in the near future, especially among Generation Z.

Last but not least, I would Invest 2% of the crypto Funds in the meme coins. Meme cryptos, known as Meme coins, have no case of use but are cheap with a huge community behind them. Examples of Meme coins are Shiba Inu, Dogecoin, Doge Elon Mars, and other Meme Tokens. Meme coins should be in your portfolio because they might speed up your retirement if you hit the right coin. For instance, according to Benzinga, an investor invested $17 in Shiba Inu and cashed out $ 6 million in less than a year. Another wallet showed that an investor purchased $8000 worth of Shiba Inu and Cashed out a whooping of $5.7 billion in less than a year. Of course, thinking that you can invest $16 and become a millionaire is almost impossible. However, risking 1 % to 2% of your crypto portfolio for something that may change your life is not a bad idea.

Investing in cryptocurrencies with a staking program is highly recommended because you would be surprised about how much you can make just from the staking rewards. Staking rewards are the same as dividends. The only difference is that you receive staking rewards every day in the form of crypto you are staked in. At the same time, dividends pay monthly, quarterly, annually, or depending on how the company pays its dividend. Also, Dividends come in the form of cash. Which gives an option to investors to either keep the cash or reinvest them. Many brokers such as Robinhood, Webull, Fidelity, and other stockbrokers offer what stock investors call DRIPs or dividend reinvestment plans.

Crypto exchanges like Binance, Crypto.com, Coinbase, and other exchanges offer a staking program. Make sure you research before investing your hard-earned money on any crypto exchange because exchanges can be risky sometimes. If you have basic knowledge of computers, you can open a crypto wallet or keep your cryptos in a cold wallet. However, suppose you want to keep your money on exchanges or brokerages. In that case, you can use regulated exchanges like Coinbase or keep your cryptos on stockbrokers that offers cryptocurrency on their platforms, such as Webull, Robinhood, and others.

In the 2000s, most people did not believe that our everyday life would depend on the internet. However, today, people rely on the internet to do almost anything for them. AI is getting smarter every day. Soon, some jobs will disappear. However, when a job disappears, more jobs appear. AI is brilliant, but it will always need a human’s presence to make sure that it is running accordingly.

When the United States became the world’s superpower, most Americans invested in bonds because bonds were the hottest investment of that time. On top of that, Investors’ money and interest rates were guaranteed since the US government is known for paying its debts. However, when the market switched to stocks and ETFs (S&P 500), people who adopted fast made good money, and those who were careful were left behind. The same goes for cryptocurrency and the blockchain, those who are taking a risk today will be better off 20 years from now, and those who will buy after the banks and other institutions are heavily invested in Bitcoin, Ethereum, and other altcoins will collect the dust of early Investors.

Disclaimer: This article cannot be used for financial advice; it is for informational and educational purposes only. Please do your own research before investing your money.


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