Diversified Retirement Plans – A modern retirement plan is your best opportunity to build wealth for retirement. In 2020, DAiM created a bitcoin 401(k) plan that allowed up to 21% of an employee’s investment to be allocated to bitcoin. The bitcoin is included in broadly diversified portfolios based on a traditional 60/40 (stock/bond) allocation. We build low-cost, diversified retirement portfolios composed of Vanguard funds and the Grayscale Bitcoin Mini Trust ETF (BTC).
In today’s competitive hiring market, offering Bitcoin as a component of your retirement plan can give you an edge over your competitors.
We’re proud to offer target date portfolios that include bitcoin, giving forward-thinking investors a smarter way to prepare for retirement.
Target date funds (TDFs) are built around the principle of adjusting risk over time—starting aggressive and gradually becoming more conservative as retirement approaches. Traditionally, that means shifting from stocks to bonds. But with inflation risk rising and the long-term return profile of fixed income declining, it’s time to rethink the glidepath.
Enter bitcoin.
We’ve incorporated a modest, risk-adjusted allocation to bitcoin within our TDFs—starting at 10% in portfolios with a 2060 retirement horizon and tapering down to 1% in near-term retirement portfolios like 2025. The result: a modern glidepath that reflects the realities of today’s economy while preserving the foundational principles of diversified, long-term investing.
Why Bitcoin?
✔️ Low correlation to stocks and bonds
✔️ Strong historical performance over long timeframes
✔️ Potential hedge against inflation and monetary debasement
We’re not suggesting reckless speculation. Our approach is disciplined, research-driven, and designed to enhance—not replace—traditional portfolio components.
If you're saving for retirement and believe in the long-term value of bitcoin, there's finally a professionally managed solution tailored to you.
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