Most retirement calculators were designed for a world of 60/40 equity-bond splits and 7% annualised returns. That world still exists, but it's no longer the only one worth modelling.
What happens when you introduce an asymmetric, high-volatility asset like Bitcoin into a retirement portfolio stress-tested across 1,000 simulated futures?
We built a tool to answer exactly that question. And the results are, as always, genuinely interesting.
Let’s get into it.
Insights at a Glance
Diminishing Returns Matter: Crypto models must account for decaying growth curves to stay realistic and grounded.
The Monte Carlo Reality: Averages lie; understanding probability bands prevents catastrophic end-of-life depletion and poverty.
Nominal vs. Real Purchasing: Adjusting for inflation exposes the true, often terrifying, cost of future living.
The Freedom Number, Reverse-Engineered: The model works backwards from your desired retirement income to tell you precisely what you need to hold today, rather than guessing tomorrow.
A $1 Million Portfolio and a Whole Lot of Volatility
Let's walk through the exact configuration I used to demonstrate this brand-new Retirement Model. The idea was intentionally simple:
Join On-Chain Mind to read the rest of this analysis and get full access to Chart Studio.
- 3more charts
- 1,700more words
- 4more sections
- Premium Updatesevery update and monthly Q&A, in full
- Chart Studiofull access to every OCM chart and metric
- Weekly newslettersthe analysis in your inbox, no ads