Bitcoin News Today: Bitcoin Needed for 96-Country Retirement Dips Below 1 BTC by 2035, Study Finds

A recent analysis titled “Planning to Retire With Bitcoin? Here’s How Much You’ll Need in 96 Countries” has sparked discussions about cryptocurrency’s potential role in long-term financial planning. The study, conducted by X user Sminston With, examines the amount of Bitcoin required for individuals aged 5–75 to sustain retirement expenses in 96 countries, factoring in inflation, life expectancy, and Bitcoin’s projected value growth. The model assumes a retirement timeline from 2025 to 2055 and uses a conservative BTC price trajectory based on a power-law support line [1].

The findings indicate that the amount of Bitcoin needed for retirement declines significantly as the retirement year moves further into the future. For those planning to retire in 2025, the study estimates that individuals in high-cost countries like the U.S., Switzerland, and Luxembourg may require 1–10 BTC to maintain a baseline lifestyle. However, by 2035, most countries see the required amount drop below 1 BTC, with lower-cost nations needing less than 0.5 BTC. By 2045, the numbers shrink further, with examples including 0.023–0.13 BTC for El Salvador and 0.26–1.5 BTC for Switzerland [1].

The analysis emphasizes Bitcoin’s potential as a store of value if its price continues to rise alongside adoption. Even small holdings, such as less than one coin, could sustain retirement in the long term if the asset maintains its projected trajectory. However, the model explicitly excludes volatility, regulatory risks, and adoption rates—factors critical to real-world feasibility. Critics, including X user PlanC, argue that the study oversimplifies economic variables by assuming stable purchasing power and long-term Bitcoin adoption, which is not guaranteed [2].

The methodology assumes a 7% annual inflation rate in fiat currencies and uses a steady BTC price model, contrasting with historical volatility. While the study aims to spark conversations rather than offer financial advice, it highlights the importance of considering cryptocurrency in retirement planning. Analysts caution that practical implementation would require safeguards against market risks, such as diversification or hybrid models combining traditional and crypto assets [2].

The study’s focus on 96 countries excludes regions like China Taiwan, China Hong Kong, and China Macau, which may affect the representativeness of the data. Additionally, the model does not account for regional differences in economic structures or emerging markets where Bitcoin adoption remains speculative. These limitations raise questions about the global applicability of the findings, particularly in areas dominated by fiat currencies [2].

Despite these concerns, the analysis aligns with growing interest in decentralized finance for retirement planning. Discussions on platforms like Reddit and financial firm earnings calls reflect heightened curiosity about crypto’s role in long-term wealth management. However, the absence of regulatory frameworks or historical precedents means such strategies remain experimental [2].

Source:

[1] [Sminston With/X] [https://x.com/sminston_with?lang=en]

[2] [PlanC/X] [https://x.com/therealplanc?lang=en]