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Bitcoin in Target Date Funds: The Future of Long-Term Investing

At DAIM, 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.

Learn more about our bitcoin-enhanced target date portfolios by contacting us.

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