Does cryptocurrency belong in your retirement account? Some say it’s the future of money. Others call it a digital tulip bubble. With all the hype, headlines, and heated opinions, it’s hard to know what’s signal and what’s noise.
Certified retirement counselor Mark Struthers breaks down the real risks and potential rewards of crypto in retirement. Listen in to hear why predictability matters more than performance, how Bitcoin compares to gold, and what to consider before putting even 3% of your portfolio into digital assets.
What You’ll Learn:
- Why crypto stirs such extreme opinions and what both sides get wrong.
- The difference between crypto as a currency vs. a store of value.
- How volatility makes crypto risky for retirees in the decumulation phase.
- Why predictability matters more than upside in retirement planning.
- How Bitcoin compares to gold, and whether either truly hedges inflation.
- The role of stablecoins and their future in global transactions.
- How much (if any) crypto might belong in your retirement portfolio.
Ideas Worth Sharing:
- “ If meeting your goal is your primary purpose, what do you probably value more than anything else? Predictability.” – Mark Struthers
- “Bitcoin does have a lot of potential, arguably more than gold, but it is less predictable.” – Mark Struthers
- “Things like gold and Bitcoin… can add diversification value. It can be a source of diversified return, but if you don’t need them to reach your goals, which is your primary goal, then why have it there?” – Mark Struthers
Resources:
- Work with Mark Struthers
- Subscribe to our Healthy & Wealthy newsletter and get our 2025 Tax Cheat Sheet: Subscribe here
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Disclosure:
Investment advisory services are offered through Sona Financial LLC (DBA Sona Wealth Advisors, Sona Wealth, Sona Wealth Management), an investment adviser registered in the state of MN. Sona Financial only offers investment advisory services where it is appropriately registered or exempt from registration and only after clients have entered into an investment advisory agreement confirming the terms of engagement and have been provided a copy of the firm’s ADV Part 2A brochure and document.
This video or article is for educational purposes only and is not exhaustive. Nothing discussed during this show/episode should be viewed as investment advice. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but is intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax, or financial advice. Please consult a legal, tax, or financial professional for information specific to your individual situation.
This content has not been reviewed by FINRA.