Bitcoin: Not a Sound Primary Investment Option for Retirees

Retirees considering an investment in Bitcoin may want to think twice. According to financial experts, including Suze Orman and Clark Howard, a 25% year-over-year decline in the cryptocurrency's value can have devastating effects on retirees' savings.

In September 2026, Bitcoin was trading at around $83,355, down 25% from its all-time high of $126,080 in October 2025. A 25% drop forces retirees drawing monthly income to sell a third more coins, permanently shrinking their holdings and reducing the potential for recovery.

Experts recommend that retirees only invest money they can afford to lose in Bitcoin, given its volatility. While some experts like Suze Orman have expressed optimism about Bitcoin's future performance, others, such as Clark Howard, have been more critical, labeling it a 'speculative event' rather than an investment.

For context, the 10-year Treasury yields around 5.2% and the two-year Treasury yields about 4.8%. Holding a Treasury bond to maturity offers predictable interest payments and return of principal, making it a more stable option for retirees seeking fixed income.