Look at the growth rate of your 401k. Most plans restrict you to a select set of funds, which almost assuredly don’t include any bitcoin derivatives. Some lucky plans allow you to use a % in a brokerage, which you could then put into bitcoin ETFs, and pump your growth rate some.

Then look at just buying and holding bitcoin directly over that same period. Even with half the contributions, you stand good odds to beat your 401k growth.

The best scenario is when your plan allows you to rollover some of your contributed funds into an IRA. Set up a self-directed IRA, where you can buy bitcoin and custody it yourself, and you’re off to the races:
- contribute to 401k
- get company match
- rollover contributed funds to IRA
- buy self-custodied bitcoin in IRA
- let company match funds in 401k grow (albeit slowly)


This ignores all kinds of other variables, like your age, liquidity needs, etc. Bitcoin you buy is always available to you to use however you need - no restrictions, no age limits, taxes already paid (on basis).