Retirement
Retirement Planner — Gold & Bitcoin
Project the value of a diversified portfolio at retirement — with gold or bitcoin as the growth engine — in both nominal and real dollars.
Inputs
Results
At retirement (real)
$371,892
In today's dollars
At retirement (nominal)
$902,679
Age 65
Annual income
$14,876
At 4% withdrawal
Monthly income
$1,240
Real dollars
Total contributed
$230,000
Over 30 years
Growth on contributions
$672,679
Nominal
Assumes contributions at end of each month with monthly compounding. Default growth assumptions differ by asset — gold reflects long-term historical returns while bitcoin reflects a higher (and far more volatile) trajectory. The 4% "safe withdrawal rate" comes from the Trinity Study; real-world outcomes depend on sequence-of-returns risk.