Do you know of any DeFi Pensions or Crypto Retirement Funds

I have been in Crypto & DeFi now for a while and believe in its longevity. For this reason, I am very interested in putting some of my funds into a DeFi Pension / Crypto Retirement Scheme or an Accumulating Saving Fund that locks my investments for 20+ years. Do you know of anyone offering this? Do you have any watch-outs? If not, am I the only person interested in this, or are there other Redditors out there that are interested in this service too?

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16 thoughts on “Do you know of any DeFi Pensions or Crypto Retirement Funds”

  1. Defi hasn’t even been around for 20 years (maybe not even 5). Seems a bit premature tbh. The entire ecosystem could go belly up, either through regulations, new tech or even exploits. The chain you pick might not even be relevant in 20 years.

  2. Pensions funds are highly regulated to ensure that fund managers don’t take unnecessary risks with people’s retirement savings. Not sure if they’ll ever be allowed into defi unless and until defi is properly regulated too.

  3. 401k are tax advantages, that’s pretty much what it boils down to. There’s no equivalent financial instrument in DeFi and I somehow doubt the regulator is going to come down on that side 🙂

  4. Defi is still young. Now’s not the time to lock anything for 20 years when there’s still lots of news about smart contract exploits.

    Maybe later on, this could a thing. Defi Protocols would love to have liquidity locked for 20 years.

  5. Theres this thing called bitcoin (btc) you should check out, not many people know about it and theres not much data out there, (so take this with a pinch of salt), but I heard it’s done quite well over the past 10 years though and is looking like its guna have a good future too.

  6. I believe in Defi and it’s potential is just too big to be ignored! And what is the long term goal mor important than retirement?

    I believe in general the returns might fall in platforms like nexus blockfi, etc but would still be much more competitive than regular banking for a long time. Then if defi gets integrated into banking the yields should reduce its premium.

    But there is deeper defi with liquidity and yield farming options where greater risk can bring also greater rewards!

    I didn’t know much about it, but using I learnt a lot about its possibilities and it’s returns! Couple hundreds percent in returns is not a big deal! But they risk goes up with the yields!

    So, for a retirement perspective, a higher allocation into yield farming options on the investor’s youth and a higher allocation into more simple (and less risky) defi as the investor gets old.

    Just like the regular portfolio of stocks and bonds, where an higher allocation on bonds are recommended to minimize the volatility and risk the closer the investor gets to retirement, where he/she would use the money to fund his lifestyle


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