![re.jpg](https://i.imgur.com/LY5eJXO.jpg)
[Source](https://www.graduateprogram.org/2021/03/things-you-should-know-about-teacher-retirement-planning/)

Pension, this is the thing that many of the working force are looking at, when they retire leaving the working world. And no body would want to be a burden on others and probably this is why most people are thinking of pension an important element in their lives.

## Threats to Pensions

It looks like the days of guaranteed lifelong pensions are over in most parts of the world. In some places where pensions still exist, the organizations that offer it, do struggle in meeting their promises made to their ex-employees for whatever reason.

Let's not forget about the crisis in the global economy. And it looks like that many companies won't be able to pay pensions to the pensioners because of the gap between the amount of money in the pension funds and their outstanding liabilities to pensioners, and it continues to grow. which is a matter of concern.

The place where I live, ex-government employees do receive their pensions but there also have been some talks about removing pensions for the newly joined employees with an alternative to it, because the government is already going in loss paying pensions to ex-employees.

## Crypto a Retirement Plan

I did see a few people talking of crypto as a retirement plan and it does make some sense.

Taking a little bit of your savings and putting it in crypto, could be a good retirement plan (now that doesn't mean that dumping your money into crypto project that doesn't look to be a long term project and also the project is not worthy of it).

I saw users here on Hive, putting some of their savings in Bitcoin on weekly or monthly basis as their retirement plan.

Dollar cost average, could be a good strategy looking into crypto as a retirement plan.

Talking of myself, I am a public office holder and receiving a low salary. Whatever I earn on Hive platform, in terms of Hive, Leo etc I am saving it. I am happy that I can save a little bit of money out here staking it, hoping for a better financial future.

One thing that might be concerning for some people is that crypto is not regularized by most of the world. So, they may not be thinking of taking the risk of buying it for their retirement plan because of the uncertain situation with it.

I hope that the world realize the need for crypto regularization and that how can it help meet the financial problems of it's citizens.

> This is for educational purposes. It's not a financial advice.

Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/hive-167922/@howzat/looking-at-crypto-as-a-retirement-plan)