Question 1

What withdrawal rate is safe for a crypto portfolio?

Accepted Answer

The classic 4% rule comes from stable stock/bond portfolios. Crypto’s 70-80% drawdowns make a fixed 4% risky — a bad year can force you to sell at the bottom. Many use a lower rate (2-3%), hold 1-3 years of spending in stablecoins or fiat, and only draw from crypto after strong years.

Question 2

How many coins do I need to retire?

Accepted Answer

Divide your target portfolio (annual spend ÷ withdrawal rate) by today’s coin price. Remember price is the huge unknown: the same coin count is worth far more in a bull market. Plan in portfolio dollars first, then treat the coin count as a moving target.

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