Cryptocurrencies are no longer a fringe asset. With global market capitalization exceeding $2.4 trillion in 2024 (1), digital currencies like Bitcoin and Ethereum are becoming mainstream, even among retirees.
Let’s shift the focus from technical know-how to strategic fit. The question isn’t whether you can master blockchain but whether crypto aligns with your financial goals.
You Don’t Need to Be a Tech Expert
Getting started with crypto is now easier than ever:
- No coding knowledge required
- No need to manage wallets or private keys
- No navigating complicated exchanges
Many financial institutions offer:
- Crypto funds and trusts
- Products accessible through traditional brokerage accounts or IRAs (2)
These tools offer exposure to crypto’s growth potential while keeping your assets in a familiar, regulated environment.
Crypto’s Role in a Retirement Portfolio
Crypto is volatile. Bitcoin fell more than 60% in 2022 but rebounded over 150% by late 2023 (3). While not for everyone, it may serve specific goals such as:
- Growth potential
- Inflation hedging
- Diversification
Some strategies recommend allocating 1% to 3% of a diversified portfolio. But more important than the percentage is the purpose.
Simpler Tools for Everyday Investors
The crypto experience has come a long way. Today, it includes:
- Crypto ETFs
- Model portfolios with crypto exposure
- Educational tools built into investment platforms
You no longer need to deal with technical platforms. Instead, you can access digital assets with the same ease as mutual funds.
Managing Risk Without the Stress
Crypto still comes with risks:
- Market swings
- Regulatory changes
- Cybersecurity threats
But you don’t need to navigate those risks alone. Trusted financial professionals can:
- Recommend regulated platforms
- Offer secure custodial solutions
- Help align crypto with your risk tolerance
Moving Forward
Let’s not focus on the tech. Let’s focus on how crypto might fit into your broader financial plan.
You don’t have to be tech-savvy to explore these opportunities. What matters is having the right strategy and support.
If you’re wondering how crypto could complement your retirement goals, let’s talk. As financial professionals, we’re here to help you navigate new opportunities—clearly and confidently.
Sources:
(1) Cointelegraph. “Bitcoin Becomes 5th Most Valuable Global Asset in Crypto Week Highlight.” Cointelegraph, 26 Apr. 2024, https://cointelegraph.com/news/bitcoin-5th-global-asset-crypto-week-amazon-finance-redefined
(2) Fidelity Investments. “Ways to Invest in Cryptocurrency.” Fidelity Learning Center, https://www.fidelity.com/learning-center/trading-investing/crypto/ways-to-invest-in-crypto
(3) James Royal, Ph.D. “Bitcoin’s Price History with Charts from 2009 to 2025.” Bankrate, 8 July 2025, bankrate.com/investing/bitcoin-price-history/
This information is being provided only as a general source of information and is not intended to be the primary basis for investment decisions. It should not be construed as advice designed to meet the particular needs of an individual situation. Please seek the guidance of a financial professional regarding your particular financial concerns. Consult with your tax advisor or attorney regarding specific tax issues.
