Bitcoin up 600% post-2020 halving. Gold up 40%. FD at 7%. Should your long-term retirement money include crypto? Here's the case.
Over 10-year horizons, Bitcoin has been the best-performing asset class in history. Even a 5% allocation dramatically improves portfolio returns.
Bitcoin fell 80% in 2022. If you retired in 2023 with 30% in crypto, your portfolio was crippled. Volatility is a real retirement risk.
Allocate 5–10% maximum to crypto in retirement accounts. Use Bitcoin only (not altcoins) for retirement. Think 10+ year horizon minimum.
No crypto in NPS or EPF — these are fixed-income products. Use a personal crypto account with proper ITR filing. Consult a SEBI-registered advisor.
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