2025-12-24 17:20:15

Only after entering the crypto world did I realize that everything seems to be used as a benchmark.

My sister-in-law has recently been applying for flexible employment social security. I did some quick calculations—paying 11,600 yuan every year,坚持交15年, and only receiving a pension from age 55 to 60. I asked her: instead of doing that, why not invest 1,000 yuan monthly in the ecosystem tokens of a leading exchange,坚持15年, and see the results when you retire?

It sounds a bit crazy at first, but thinking about it carefully, it’s really worth considering. The returns on traditional pension insurance are basically locked in, while the growth potential of crypto assets during bull markets... hmm, do you think this kind of dollar-cost averaging strategy can outperform social security?

Of course, the risks are completely on a different level. One is stable and reliable, the other is highly volatile. But if you can really wait for that day, the gap might be bigger than you can imagine.

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RatioHunter

· 3h ago

Haha, this idea definitely has a strong crypto vibe, but I have to be honest—comparing ecosystem tokens to pensions is a bit too optimistic.

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BitcoinDaddy

· 3h ago

Haha, a typical crypto circle illness, anything can be used for a all-in bet. Can it outperform? Definitely during a bull market cycle, but the question is, will you survive until then? Although social security is disappointing, at least I can sleep peacefully. This dollar-cost averaging plan relies purely on luck and mindset.

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AirdropHunterXM

· 3h ago

Haha, my brain has really been transformed by the crypto world; I can talk about anything in terms of coins.

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TopBuyerForever

· 3h ago

Haha, laughing to death. Can social security compare to crypto? Might as well go all in on spot trading. Buying at the top isn't a real loss, and dollar-cost averaging can't save this wave. If her sister-in-law actually takes this advice, she'll regret it a lot in five years. But to be honest, the returns from social security are really disappointing. Wait, are you trying to ask me to send your sister-in-law some leeks?

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CryptoGoldmine

· 3h ago

This question is asked backwards; it should be about calculating the implicit yield of social security and comparing it to the mining rewards of ecosystem tokens. A 15-year dollar-cost averaging can outperform social security, provided you can endure at least two full market cycles, which most people cannot do. Instead of worrying about which ecosystem token to invest in regularly, it's better to focus on the difficulty adjustment cycle and the timing window for market bottoms. Social security is a guaranteed floor, while the crypto world involves high risk and high returns. Mixing the two for calculations is a bit imprecise. With 1,000 yuan per month over 15 years, the principal amounts to 1.8 million yuan; even if it multiplies tenfold, it only reaches 18 million. However, the market is unlikely to follow such linear growth; volatility is the main course.

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EntryPositionAnalyst

· 3h ago

Haha, this logic is brilliant. Social security is truly incredibly stable. Once the crypto circle's brain starts working, everything can be used for comparison. It's hilarious. Waiting for a double in 2015? Wake up, the bear market will make you doubt your life. DCA into ecological coins is not as good as DCA into yourself, my friend. The risks are completely on a different level. You really know how to talk—one bankruptcy, one devaluation. If my sister-in-law hears this advice, I’ll have to have a serious talk with my mom. In plain terms, betting on a bull market is gambling; social security is the real retirement security.

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