BTC

burnheartmusic

Why would you put all of your money on one single bet? I’ve made far more money from having it spread across multiple things. Hell, NVIDIA investment of about 3k I made is worth 150k now, while my bitcoin is up maybe just double. It’s not entirely a crazy thing to do given that BTC seems to be getting smaller and smaller volatility swings, but that also means that the 10x you’re hoping for is much less likely to happen

Expensive_Seat5694

This is just the mentality and the reason why Bitcoin is so divisive. It’s either you believe in it or you don’t. There is no middle ground. Those that believe believe. Those that do not hate on it. The age old saying of only time will tell holds true. Seeing that BTC is now over a decade old there is no point to argue with people. It’s a waste of time

Narf234

I doubt many people want to trade their bitcoin for cash. They want to trade it for things like houses or other assets that might improve their quality of life. I’d love to go from BTC to other assets directly but until I’m able to, cash will be the intermediary.

ujohanne

I'm one of those "retards" doing something similar, although not exactly the same. My average buy price is $60k. The difference is that I actually have a target: $140k per BTC. At that point, I plan to cash out completely. That would double my standard of living until I retire. My maximum timeline is 11 years, so I'll have to sell by then. Assuming there's no major financial crisis, I think this will likely work out.

Monobluemagic

You can use BTC as collateral to loan USD and pay 1% interest/year

Excellent-Advice-948

You asked for both sides, so here's an honest why-yes / why-not on skipping BTC/ETH: Why it can make sense: BTC and ETH are the largest, so they have the least room left to multiply. If you're specifically chasing higher upside and you've accepted the higher risk, a basket of quality large-cap alts is a legitimate high-beta bet — you're knowingly trading safety for a bigger potential swing. Why most people shouldn't: BTC/ETH aren't just "boring older coins," they're the risk anchor. In basically every downturn, alts fall harder and recover slower (or never), while BTC is what the whole market is priced against. A 100% alt portfolio is essentially a leveraged bet on "alt season" happening AND you being in the right ones — and the graveyard of "solid utility alts" from past cycles is huge. Ten alts feels diversified, but if they're all high-beta they mostly move together, so it's less diversified than it looks — one concentrated "risk-on" bet spread across ten tickers. The honest middle: most people who run all-alt long term end up wishing they'd kept a BTC/ETH core (say 50-60%) as ballast, with the alts as the satellite/lottery portion. It caps the downside when a cycle turns without giving up the alt upside. Not telling you you're wrong — if you've sized it as money you can afford to lose and you're clear-eyed that it's a high-risk bet, that's a valid choice. Just don't mistake "ten alts" for "diversified"; it's one bet with ten names. (Honestly, that "one of us gets lucky or we're both idiots" reply is the most accurate take in the thread.)

Arpitbuilds

I would DCA. I don't think BTC has bottomed this cycle yet. No one can catch the exact bottom, but I'd keep buying all the way from $50k down to $30k

RuchNZ

This is actually stupid, you could at least put half of that into bitcoin if you are super convicted on it then the other half into something like VT for at least some guaranteed long term wealth, you'd still make loads if BTC rips.

_RonPaulWasRight_

Dumbass. Never, EVER take loans to buy BTC. That's called leverage, and you could lose your Bitcoin. You'll learn the hard way, I predict.

Internet_is_tough

I'd be confortable going 100% + 100% on margin on BTC right now.

Doritos707

Muun for BTC/Lightning. Xverse for smart BTC layers. SafePal and OKX for everything else (Ethereum, Solana etc...). Ledger or Trezor for the privacy or niche coins

Anonimo1sdfg

Take a look ti the ETFs x2 of BTC like BITU, is like you can buy it with exposite of x2 of your money without taking a loan.

Anonimo1sdfg

En lo personal prefiero diversificar, un solo activo es muy arriesgado. Por otro lado te recomiendo seguir invortiendo con DCA porque en unos meses mas empezará a subir desde el minimo del ciclo. Probablemente veas resultado en 2-3 años donde te recomiendo que vendas un poco. Ademas si quieres subir aun mas la apuesta o simplemente pagar el préstamo y asumir el mismo riesgo hechale un ojo a los ETFs apalancados de BTC como BITU que al final es como si invirtieras lo mismo pero x2 sin pedir préstamo (investigalo bajo tu propio riesgo)

spencerspage

Btc is a money trade. When you time the market, you’re planning to expand your bitcoin holdings, pay taxes on the gains of selling, and come out on top while parting with the coins you have. Are you certain that you can always time the market and buy lower in the future? I’m accumulating BTC with the recognition that my bag is on the side of the fence where cash does not have power. More times I toss back over the fence from BTC into cash, higher chances the bag will fumble.

North-Exchange5899

A lot of beginners start with BTC and ETH while they learn. There's no rush to diversify..but i stuck with RYO and ALtcoin

iz_raymond

BTC can't go to zero, but your portfolio definitely can.

litmultimillionaire

Yes 10% is very reasonable For me 70% VTSAX 20% VBTLX 10% BTC with quarterly rebalancing, just gives a smoother overall return instead of all in on stocks or all in on bitcoin, but If its an investment I dont need to touch for 5 years or more then Btc is definitely looking very very cheap right now… at 64k

GoodMorning_folks

This type of investment is exactly why governments think they need to take care of their citizens retirement—because the citizens are not good at investing for their future. Wow. So as soon as ai proves the bitchain was in fact hack-able, what then? Also, what did you buy? Who backs it? Nobody. Maybe MSTR micro strategy is looking for this kind of enthusiasm and you can get a nice gig there. But Michael S at micro strategy did have to sell a few billion BTC just to stay solvent as a company.

jeche25

Just getting started now with initial $500 and monthly DCA of $100. So for every person who seems to be getting tired of BTC, new ones arrive enthusiastically like me.

Chessgenious

The bad move would be selling the appreciating asset (BTC) to buy a depreciating asset (bike).

Valuable_Tennis6847

Happy to see a lot of bashing here. BTC investors are usually among the worst possible “investors” out there. I agree that BTC might succeed, but it might not even happen within our lifetime.

Hijjawi

Grid bot trading ETH or BTC.. atleast you will generate some profit.. just dont future bot trade..

Impressive_Pilot8415

I’m in my late 40s 3 young kids.. I allocate >75% of investing funds to BTC. My retirement fund (superannuation) is mostly S&P500. I don’t allocate to stocks or index funds outside of superannuation. Reasoning - I believe we will continue to have 4 year BTC cycles another 2-3 times before the volatility flattens out & BTC is more mainstream. I want to take advantage of low BTC price for next 10+ years while adoption grows. If I’m wrong I have super to fall back on.. if I’m right I won’t need my super and I wont have to wait until retirement age to be financially independent & quit work early 😎

L4gsp1k3

I'm not assuming anything. If you think that BTC magically becomes 1mill usd worth in 2030. Then you clearly don't know how it works. Nothing magically becomes more valuable without more liquidity.

Hijjawi

Dont listen to the negative people.. they are negative because they cant commit or do what you did.. i would do the same if I have a way i can put 100k into BTC without burdening ny financial balance.. every loser who talked against btc doesnt see how things move ESPECIALLY for btc.. best of luck bro..

Astropin

I'm 59 and have a MUCH higher percentage (over 50%) in BTC and I am not joking.

MarioWilson122

There likely will never be another crypto with BTC's performance, so it's best to get that out of your head. Maybe you can find ones that go up a great deal, like plays such as ETH, XRP, and SOL did. Even finding that is hard, let alone finding the next BTC.

dmoneybangbang

So people actually use BTC to as currency?

DanNotTheMann

If you're buying Bitcoin to eventually sell it for more fiat, you're not a Bitcoiner, you're a speculator. True Bitcoiners don't buy Bitcoin to get more fiat money. They buy it because they understand what money is. They buy it for sovereignty over their wealth, protection from inflation, resistance to confiscation and censorship, financial freedom, property rights, portability across borders, predictable scarcity, and independence from governments and banks. BTC isn't about accumulating more fiat. BTC is about escaping needing it.

KREIJO

With the s&p 500 at insane all time highs I’d rather have it in BTC tbh

677ITF

Diversifying is smart and BTC is high risk so I think it's a great plan

Easymacsauce

I’m 60% VOO 40% Cash / BTC waiting to lump sum when I think we’ve bottomed. Slowly buy dips just in case I miss the bottom, which I will lol. Now I have retirement funds also that I won’t touch until the time comes.

L4gsp1k3

If BTC goes to 1mill in 2030, at that time bread will be at 1000 usd a piece and your salary, if you still have a job would be crazy high.

Shazvox

Make sure you sell your bad cheap BTC for new expensive ones!

karenskygreen

I am skeptical of BTC future. Between banks making it more stable with ETFs, AI stealing all the investors And this last cycle sucked the bag, the whole crypto concept has lost the plot BTC did not perform up to the low sample of cycle behaviors that everyone said was gospel.

OhhhhBillly

Next go around 1 BTC = 1 small house.

Savik519

I remember when a guy mortgaged his house to buy BTC. Thought it was the dumbest move ever. BTC was at $3k

Correct_Resource5934

Check out [datamine.network](http://datamine.network), they just had their contracts fully audited (no exploits) by [hacken.io](http://hacken.io) This will be the next BTC.

Quirky-Reveal-1669

I once had a few whole BTC, back in 2014 or so. Not having that anymore, by a longshot, was my stupid move, I guess.

Gr8WallofChinatown

You took a loan to all in on BTC you’re a dunce

Material-Advisor-273

The hardest part of “conviction” I find, is sharing about BTC with family & friends, buy it’s getting easier to make covert comments, because inflation and the cost of living is in the news all the time.

kell96kell

Even took out a loan? I hope it works out for you, but taking a loan for BTC doesn’t sound very smart. You had 2 houses i assume??

ParfaitQuick8426

When did you sell, and what price point did you buy BTC,

Huckleberrysdick

Google about the loan structure and repayment dates on the money MSTR borrowed to buy up their \~850k BTC. When they have to liquidate BTC to creditors in 2027 what happens to the price? Leveraged positions using VC are dead. BTC has hit its ATH.

Huckleberrysdick

Google about the loan structure and repayment dates on the money MSTR borrowed to buy up their \~850k BTC. When they have to liquidate BTC to creditors in 2027 what happens to the price? Leveraged positions using VC are dead. BTC has hit its ATH.

Strange-Substance-86

It’s heading towards 20,000 by next year. Guaranteed. BTC is pretty worthless actually but the hype media will keep it afloat above zero.

LionRivr

I saw BTC go to a few cents in the coinbase flashcrash during 2017. People actually got lucky and were able to scoop up cheap BTC. Coinbase let them keep it.

LionRivr

I don’t think Power Law is for predicting anything. But it is indeed very interesting to notice that BTC stays within a channel derived from the power law equations. But as I’ve heard many times: “All models fail”

AccordingFloor7010

Yes, the ones backed by NOTHING other than a hope and a prayer  (just like a fiat government currency) - meaning BTC and the other 20k like it .... as opposed to RWA-backed cryptos & stable coins, such as Tether Gold and other new-ish ones like it, backed by real tangible assets that you can always trade your cryptos in for upon demand - the opposite of fiat.

Tom_HK

Research quantum computing a bit more... Quantum Experts are stating that BTC will be decipherable by approx. 2030 as it's not quantum encrypted. Might be that it's a couple years later but I made up my mind to sell all my BTCs once it climbed back to ATH. Good luck mate.

ubermensch1001

Here's the deal, man. Sure, you made a huge move into BTC, but you did this when it was trading around the 200 week moving average. This is the equivalent of buying BTC around 20k in 2022/2023 or at roughly 3-5k way back in 2018-2019. If you can properly secure these assets in cold storage where you don't touch it at all and forget about it you will be fine. Within 2 years your investment will already be doing insanely well, I personally can't even imagine what it will be like 10 years from now with another 3 halvings under it's belt ('28, '32 and '36). The people that get wrecked in this space generally over speculate on alts OR from buying at/near the tops before selling at a loss.

karlfeltlager

I’m at 5% BTC and if it ever grows again to 10% it will be because BTC outperformed stocks I picked and ETFs. I want it to do that, but it’s unlikely imho.

riscten

>Damn, if people aren't expecting 20%+ a year, they should have stuck with index funds instead. My thoughts too. If we can't even expect BTC to reach $200K+ by 2032, what are we even doing?

viklondon99

Home equity loan on another property? 9% is steep, but doable and worth it for BTC. What happens if you can't repay?

aus-gerr

lol how would anyone not expect trump coin to be a pump n dump coin? Did you think it was going to be the new BTC 🤣🤣

Forded_Fiction24

If your goal is accumulating the most BTC as possible, then it's best to not just invest in BTC actually  I wouldn't have near as much Bitcoin as I do now if I had ironically only invested in Bitcoin exclusively. Different assets have different investment time horizons. I find it advantageous to have some short to medium term investments and then roll those profits into buying more Bitcoin for the long haul

viklondon99

Good stuff! Congratulations on buying the ONLY scarce asset in the world. You've done your research and made a calculated decision. Moat people will never make big moves in their lives. You have and well done! I also approve of your long term time horizon. Couple of points to consider, if you like 1. India is not crypto friendly - consider tax implications and possible optimization strategies 2. Consider 4 year cycles. I sold my property in London to buy btc. BTC kicks the cr@p out of property any day! You've made a great move

t0m0hawk

I just want you to notice how many times you used the word "bet". When you think of it like that, it stops being strategy and starts becoming gambling. Even if you're right, its still very risky. Right now BTC is like 20% of what I input into my portfolio because thats where my risk tolerance sits. People like Jobs and Zuckerberg also gambled. They were successful but there were also dozens more just like them in their respective times that took similar risks and lost. They were lucky.

Realistic-Ad1498

He would have been way better off that way. Now he’s paying interest on loans he took out to buy BTC at about double its at today. He lost 50% and is paying interest on top of it. Double whammy.

investinglegendary

So u own approximately 1BTC

Few-Statistician286

1st post here. Are people here kinda iffy with $IBIT as an alt to BTC? Id rather have a slow entry to BTC thru IBIT and dca from there. For the long-time crypto folks here, is this a bad idea?

Attempt-According

You will have no regrets, just remember to take profits and self custody, don't trust exchanges with your BTC, Not your Keys Not your Coins .

DrWartenberg

Hahahaha. As soon as all the 21M BTC is concentrated to one person (whether acquired at 0.01c, 3c, $3, or $30k), its value will go to ZERO. One of the only things that differentiates BTC from any new crypto someone comes up with is that it’s been around so long that it’s the most distributed and least concentrated crypto… even with industrial ETFs coming on the screen. This means the least likelihood of someone being able to launch a 51% attack and rewrite the code to, say, remove the 21M cap and enable debasement. (Which, sorry to say for that person, will ALSO tank the value to zero because, again, it will kill one of the value props of BTC). In this way, BTC is self-protecting. Even if someone could get all of it, or even enough of it to change the code, the result for that “lucky person” will just be a permanent zero dollars per coin BTC price.

Daethir

Yeah I'm sure you sold those 4 properties lmao Any lie to make BTC appealing right. Also I'm curious why it's important to understand BTC to know it's a bad move, what is there to understand, if line go up you're making money and you're happy and if line go down you're ruined and you're sad.

Designer-Brief-1188

BTC can only go to 0 if there is a new dark ages. As long as the Internet exists, BTC will always have value. Even if it crashed and such it wouldn't even go below 1k prolly, if it did, it would skyrocket to 10k cuz literally everyone and their mom would fomo. 

Straight-Ad2530

monero's original inception was not created for illegal trading, it was built to solve a problem that bitcoin failed to do, read satoshi's original whitepaper on why he wanted to establish a decentralized peer to peer digital currency. the adoption of xmr by the dark web and its usage today, to you, has granted you the perspective that it's a coin to not touch, on the other hand, anther perspective, the one I and many hold is that Monero's developers did not dev it for it to be adopted by the black market, instead, the complete adoption of monero by a system (the black market) is living proof that monero is fulfilling a need that is and was novel, and yet to be completely replicated. BTC used to be the currency on the blackmarket, but got phased out by monero due to the problems it inherently solved that BTC and any other coin has failed to do. Monero is something I believe in because I was greatly affected by the 2008 financial crisis, and it left me and im sure others with a great distrust for government involvement and knowledge of my financials.

PrairieFern1995

Doesn't sound insane at all. you were basically treading water with that property and now you've freed up cash flow, which is the part most people overlook when they romanticize homeownership. The fact that you're dcaing into btc while also stacking cash for a future down payment means you're not gonna all-in on one bet, and that's where a lot of people mess up. One thing I'd throw out there: if you want to be a bit more strategic with the BTC side I've been using aΙphasquared to scale my buys based on where risk sits in the market. So when things look lower risk I buy heavier, and when risk creeps up I pull back or take some profit. helps me not just blindly throw the same amount in every week regardless of conditions. Might be worth a look since you're clearly thinking about this stuff in terms of cycles anyway.. The Sun Belt RE correction playing out slowly is a real thing in some markets so your timing could work out if you stay patient. Just dont let the nostalgia for the old place push you into something prematurely.

MoneyComesWithTime

Unfortunatly you Will lose money! BTC next year Will be at 25k.

friiz1337

Only legitimate tokens you should invest in is BTC and ETH

CollarControl

The underlying value of BTC will always be illicit goods/services and sanction dodging countries. So never zero.

quintavious_danilo

They found 5 blocks within the last 6 months, garnered a total reward of 16BTC so far. Impressive!

paperlevel

I'm on your side OP, 27 years is a long time, and the power of compounding is insane over a period like that. You almost have 1 BTC and by that time 1 BTC could be worth $10M. I think $16M is a bit much, but you could easily have $5M and be well above other people.

Laakhesis

Damn, if people aren't expecting 20%+ a year, they should have stuck with index funds instead. I personally would just get to 1 BTC, then focus on traditional asset class until my retirement age

Ferdo306

So I don't understand bitcoin cause I think that people who don't understand bitcoin while telling you it's a bad move isn't really a metric on which one should be investing? People don't know much about shitcoins either but that doesn't mean one should invest in them Don't get me wrong, I love BTC and have a hefty exposure but I surely didn't invest in it cause someone told me it was dumb. I invested cause I researched it and liked what it represents and offers

Objective-Walk6780

I sold all my BTC to buy an apartment.

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OutlandishnessLimp25

If you think that metric is dumb you clearly don’t understand bitcoin. But hopefully you do actually own 4 BTC.

Ferdo306

I had 4 BTC began selling them in 2021. Sold my last in 2025. Almost all my proceeds went into buying more properties... I really didn't but my point being, timing is everything and why not have both BTC and property... Also your favorite metric is dumb as shit and shouldn't even be called a metric...

viklondon99

I literally just did the same. Real estate sucks a$$. BTC all the way.

LetterheadLimp

Hmm… those currency could be used to actually buy anything you wanted in their respective countries though. I feel like this isn’t a fair comparison. BTC hasn’t experienced one day of traditional buying optionality that all of these fiat currencies had.

Square-Sandwich-3594

Because everyone thinks they'll sell the top and buy back the bottom, and almost nobody does. You have to nail TWO perfect calls, and both only look easy on a chart afterwards. I actually ran the numbers on this — strategies that "take profit during the cycle" kept selling in the *middle* of bull runs, not the top. They lost badly to just holding. And the exit is the easy half. The brutal part is getting back in: BTC does most of its gains in a few explosive weeks, and the bottom always shows up wrapped in the worst news you've ever seen. That's why the "I'll rotate out and come back for the bull market" crowd usually buys back higher than they sold. Congrats, you played yourself — with a tax bill. Also the "predictable" cycles are fading — the classic top signals that worked in 2017 and 2021 straight up didn't fire last cycle. So calendar calls like "October-ish"? Nobody knows. Nobody has ever known. The boring cheat code that actually survived my backtests: never stop stacking, get greedy when everyone's terrified (price near the 200-week average = generational sale), and touch nothing else. HODLers aren't naive — they just figured out you only have to be right once.

cubeeless

BTC to $400k!

FitCompetition1804

I believe in Bitcoin long term and I also believe the 4 year cycle is real, until it isn’t. So far the 4 year cycle is tracking per usual. So I plan to use the bear market drops of the 4 year cycle to accumulate. What I’m less comfortable with is using the 4 year cycle bull market to sell. Besides timing the exact top, which is almost impossible, what if it doesn’t drop to levels expected as I wait to re-enter the following year? In that scenario I’ve just put myself in a position where I’ll have less BTC than if I just HODL’d and stacked harder on the drops. That’s a gamble I’m not willing to take.

litmultimillionaire

Oh PS. Maybe read the simple path to wealth by J.L collins, individual stock picking is a lot harder than just buying the sp500… personally, my favorite portfolio allocation is 70% Sp500 20% VBTLX 10% BTC Rebalance quarterly, thats if you want exposure to bitcoin but also having a smooth return and sharpe ratio of 1.06 i think it was.. something like that. Anyways to me its better than all in on s&p 500 (btc can be great in bad times of insane money printing due to economic turmoil/ necessity to stimulate economy) or all in on btc due to huge price swings… i.e. 50-70% drawdowns. i would hate to see a net worth of 3,00,000+ drop down to 1.5M if all wealth was in btc alone.. on the other hand you can get best of both worlds if you have an appropriate allocation. (If bitcoin is going to increase as much as most of us think it will… then there really is no need to have all your net worth in that 1 single asset. Just my opinion, can read this and not think too much of it, but to some this might be a valuable point of view

AirSpecial

Not to mention the fact that a lot of the most powerful countries in the world have seized enough large amounts of Bitcoin that game theory dictates that it is in all of their best interests for their seized asset to never get anywhere near zero. They’ve inadvertently created a permanent floor that is far above zero just by holding BTC. And none of them will outright outlaw Bitcoin now because that only works to have downward pressure on BTC if most of the most powerful countries outlaw it. If only 1 or 2 outlaw BTC, the remaining powerful countries now have an inflated BTC because it is even more scarce, but still accessible enough worldwide to guarantee neutral pressure at worst and upward pressure at best.

shitposterfinalboss

My BTC wallet starts with a 0...

PeaceAgitated1978

Well you're talking about? Rsi, MA, ? That kind of stuff,? My go to for trend following is ATR.. and EMA in fast TF.. normal or SMA in slow TF.. like daily or weekly even monthly ( though that one usually stays in normal MA) look up ATR channels.. they're interesting if you got the right settings.. from 12h candles to weekly one's.. you can find nice reactions zones.. it's my take on it .. gold and BTC mainly for longer trends following.. you need quicker reactions if you go with others crypto assets..

jgarcya

No regrets.. Back when BTC was $9...my friend was mining it on his computer... He asked me if I was interested.... At the time I wasn't.. I didn't get my first BTC until about four years later. Oh well.. I got in relatively early.

QXPZ

There are several websites that track BTC legal status across countries. Curious if there's any difference between them and which one is yours.

wolfofone

Youd have 4,999 worth of BTC and 1 worth of the other coin. The amounts of BTC + BTC Other would double but the market isnt going to value them equally and you wont be able to sell them to double your money in USD.

Prestigious-Buddy539

I can’t believe anyone just invoked that argument in support of BTC’s price!!!!! Good god man.

loc710

Next time you think about buying a new phone just take the money and put it into BTC instead. Lesson learned

RetiredAvocado

There is no value in a splitting off altcoin. It's not listed on any exchanges. Barely anyone will mine it. It may be immediately attacked by miners to orphan blocks and disrupt it. Various scammy services might pop up to "split" your alt coin, but will steal your BTC. No you will not get double value, ever. The altcoin is unlikely to survive with any value at all.

Str8CashHomiee

It’s only worth what people would be willing to pay, eh oh ch is unlikely to be significantly more than the pre split 5k value. For instance BTC 1 might take a hit of value if the other has a chance to be relevant, so you might have only 4K of BTC 1 and maybe BTC2 is worth 500 (or less!?) even before a huge sell off if people don’t expect it to be the winner. Value won’t magically appear, if anything the controversy could cause both to lose value in the short term.

2xfun

A handful of retailers can tell the difference between BTC and the rest of crypto. Idiocracy won 

Reach_Beyond

You and me both.. buying more BTC and not strategy right? Their CEO, Phong, saying it’d be panic at $8-10k range. I’m a big BTC and ETH guy. Dabbled in a few other blue chips, but 99% those 2. I buy direct assets, I struggle to understand the investment thesis today in strategy over BTC. A few years ago it made more sense, now there is added risk. https://www.coindesk.com/markets/2026/07/15/strategy-feels-very-secure-until-bitcoin-reaches-usd8-000-usd10-000-says-ceo

blaziken8x

Kraken Pro, buy BTC

Reach_Beyond

Maybe it lasts another 5 years, few more cycles and hands on for 10 years. Zero shot this thing is around 20 years from now. I’d be shocked if it makes it to 2035. Hell, one of his internal guys even said they can survive as long as BTC doesn’t crash down to $10k level… so what then at $10k BTC the entire $35B market cap company just hits full bankruptcy?

Excellent-Advice-948

The most useful thing I can give you is a reframe, not a coin pick: if this is retirement money, crypto shouldn't be the base of it. The commenter who said "total-market index fund as the core, then maybe 5% crypto if you want" is giving you the genuinely sound answer. Retirement savings concentrated in crypto — and especially in one alt — is a big risk, because the whole thing can halve or worse and stay down for years. A few gentle corrections: - BTC "no real-world use" — its use case is being scarce, hard-to-seize digital money / a store of value. You can doubt it'll work, but "no use" isn't the argument. - ETH "outdated" — it's still the largest smart-contract platform by a wide margin; "outdated" isn't really accurate. - XRP a "scam" — it's not a scam, it's a real, large project. The risk isn't that it's fake; it's that you're concentrated in a single alt whose price runs on legal/narrative catalysts. That's a speculative bet, not a retirement foundation. The tell is in your own message: "I don't understand this field enough to know what to invest in long term." That's not a knock — it's exactly the reason to keep the speculative part small and diversified and put the base in boring index funds. If you can't confidently evaluate an asset, your retirement shouldn't be concentrated in it. I won't tell you to dump or hold XRP — that's market timing, and nobody knows. But decide a target: what % of your total retirement do you actually want in crypto? (People who think it through usually land around 5-10%.) If XRP is way above that, rebalance gradually toward the target rather than making one big emotional buy or sell. Not financial advice — but "index-fund base, small diversified crypto slice, don't concentrate retirement in one coin you can't evaluate" is the boring answer that ages well.

The_Bitcoin_Act

If you’re already convinced BTC’s a multi-decade hold, obsessing over a few % of entry price is optimizing the wrong variable. DCA splits the difference, you’re not betting on a bottom, but you’re not all-in at a possible local top either.