Crypto Retirement Planning
Crypto Retirement Planning 101
A starter guide to building a long-term crypto retirement plan
Updated 2026-01-19
Start with risk tolerance
Evaluate how much volatility you can realistically handle. Retirement-focused allocations often start small, then scale as conviction grows.
Define custody preferences
Decide between exchange custody, hardware wallets, or hybrid models. Each choice affects convenience and risk exposure.
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Plan for taxes and reporting
Document cost basis, track taxable events, and understand how staking or airdrops are treated in your jurisdiction.
Build a rebalancing rhythm
Set a schedule to review allocation drift and adjust based on market changes or life events.
Final checklist
- Set clear allocation targets.
- Choose secure storage.
- Document tax obligations.
- Review platform compliance.
CryptoOwns Team
CryptoOwns Editorial
We test platforms, analyze retirement-ready features, and summarize the trade-offs so you can make informed decisions.
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