Friends, our generation cannot rely on social security for retirement, we have to do some "side jobs" ourselves. In the past two years, cryptocurrencies and options have become popular. Some people have become rich overnight, while others have lost everything. But to be honest - if you take it slow, they can really be used as retirement tools.
Today, let’s talk about some practical things and teach you how to use these two things to save up a “digital pension” for yourself. (First of all, don’t go all in, use your spare money to test the waters first!)
Step 1: Create a "core asset package"
Pension funds are most afraid of big ups and downs, so we have to be steady first and then wave. It is recommended to bet 50% of the funds on "resistant" coins:
Bitcoin: Just think of it as "digital gold", it falls less in a bear market and rises in a bull market
Ethereum: A "tech stock" in the blockchain industry, with many ecological applications and a long-term story
Stable currency investment: USDT and USDC are put into products such as Binance Treasure, with an annualized return of 3%-5%, which is better than banks. Key operation: monthly fixed investment! No matter whether it rises or falls, just buy coins like paying social security, and use time to smooth out the fluctuations.
Step 2: Use options as a bulletproof vest
One day in the cryptocurrency world is like one year in the real world. If you want to retire, you must be prepared for a sharp drop! Crypto options can save your life at this time:
Buy "insurance": Spend a little money every month to buy Bitcoin put options. If the price of the currency is cut in half, the money earned from the options can cover the position.
Earn interest: While holding Bitcoin, sell a call option every week (for example, the current price is $50,000, and you sell at $55,000). If the price rises above the target, the coins will be bought and you earn the option fee. If it does not rise above the target, you will just get the money for free. This is equivalent to "earning dividends without doing anything" (for example, if you have 1 Bitcoin and sell a call option that expires in a week, you can easily earn $200 for food)
Step 3: Withdraw in a bull market and pick up bargains in a bear market
Don’t be greedy in a bull market: Sell 10% for stablecoins for every 50% increase, and use the money to buy at the bottom when the market falls.
Working in a bear market: Lending the stored stablecoins to exchanges or DeFi platforms, the annualized rate often soars to more than 8%, which is a sure way to "live on interest for retirement"
Keep a little money to follow the hot spots: use 5% of the funds to buy potential coins such as SOL and sui. If you win, you can double your money, and if you lose, you won’t lose much.
The last three life-saving tips
Don't touch leverage! I've seen too many people play contracts and turn their villas into bridge tunnels. We are here for retirement, not gambling with our lives. You should manage your wallet yourself!
Putting coins in the exchange = putting the passbook in someone else's pocket, the hardware wallet 300 yuan is safe
Annual physical examination: adjust the ratio according to the market, for example, if Bitcoin rises too much, reduce the position and add stablecoin
In short, the key to cryptocurrency retirement is eight words: "long-term fixed investment, option protection". This strategy can not only reap the dividends of industry growth, but also control risks with financial tools.
But remember, keep this money for at least 10 years, and don't be impatient to operate it during the rise and fall. When you open your wallet in retirement, maybe it's not Bitcoin lying inside, but a whole digital gold mine! Of course, don't put all your eggs in one basket, stocks and gold should also be balanced.
