Fred Thiel, CEO of MARA Holdings—a leading Bitcoin mining company—has championed a long-term "invest-and-forget" approach for retail investors seeking exposure to digital assets. In a January 2025 interview with FOX Business, Thiel highlighted Bitcoin’s robust historical performance, noting that over the past 14 years, the cryptocurrency has seen price declines in only three calendar years. This impressive track record, he argues, supports a strategy rooted in patience and consistency rather than short-term speculation.
A Simple Yet Powerful Investment Philosophy
Thiel’s advice is refreshingly straightforward: invest small amounts of money into Bitcoin on a regular basis and hold for the long term. He even applies this philosophy personally, recommending it to his own children.
“My recommendation, to my kids, is they put just a little bit away every month in Bitcoin and forget about it,” Thiel said.
This dollar-cost averaging (DCA) method helps mitigate volatility risks by smoothing out purchase prices over time. Given Bitcoin’s historical average annual growth—estimated by Thiel to be between 29% and 50%—even modest monthly contributions could compound into significant wealth over a decade or more.
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While past performance doesn't guarantee future results, the underlying scarcity model of Bitcoin—capped at 21 million coins—continues to drive long-term bullish sentiment among institutional and retail investors alike.
Bitcoin Volatility: Proceed with Awareness
Despite its strong long-term trajectory, Bitcoin remains one of the most volatile assets in modern finance. Sharp price swings are common, often triggered by macroeconomic shifts, regulatory news, or market sentiment. Thiel acknowledges this reality and cautions that the "invest-and-forget" strategy isn’t suitable for everyone—particularly those with low risk tolerance or near-term financial needs.
However, he believes that volatility diminishes in relevance when viewed through a multi-year lens. For investors willing to weather short-term fluctuations, Bitcoin’s potential upside remains compelling.
Looking ahead to 2025, several catalysts could further boost adoption and price momentum:
- Potential U.S. Bitcoin Strategic Reserve: President-elect Donald Trump has publicly suggested making Bitcoin a strategic national asset, reigniting discussions about federal-level crypto reserves.
- Institutional Adoption via ETFs: The approval and expansion of Bitcoin exchange-traded funds (ETFs) have opened regulated pathways for traditional investors to gain exposure.
- Favorable Regulatory Outlook: A shift in U.S. policy under the incoming administration may create a more supportive environment for digital asset innovation.
These developments align with broader global trends toward integrating Bitcoin into financial systems.
Institutional Confidence: MARA’s Own Commitment
MARA Holdings practices what it preaches. The company has adopted a strict treasury policy: it retains 100% of the Bitcoin it mines, reinforcing its belief in the asset’s long-term value. As of early 2025, MARA holds 44,394 Bitcoins, valued at approximately $4.3 billion, making it the second-largest publicly traded corporate holder behind MicroStrategy.
This strategic accumulation contributed to a 192.5% increase in MARA’s Bitcoin holdings in 2024—a growth fueled not only by active mining but also by Bitcoin’s nearly 120% price surge during the year.
The company’s unwavering stance signals deep confidence in Bitcoin as both a store of value and a hedge against inflationary monetary policies.
Global Momentum: Nations Embrace Bitcoin Reserves
Bitcoin adoption is no longer limited to individuals or corporations—sovereign nations are beginning to explore its role in national finance.
Countries like El Salvador and Bhutan have already integrated Bitcoin into their economic frameworks. Now, the movement is gaining traction in major financial hubs:
- In Hong Kong, Legislative Council member Wu Jiexhuang proposed including Bitcoin in the region’s foreign reserves to enhance financial stability.
- Germany’s Free Democratic Party (FDP) has included pro-Bitcoin policies in its 2025 election platform, urging central banks like the European Central Bank and Bundesbank to study Bitcoin’s potential to strengthen monetary resilience.
- Former German Finance Minister Christian Lindner criticized his government’s hesitation in embracing crypto, calling it a “failure” that risks leaving Germany behind in the digital economy.
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These developments reflect a growing recognition: Bitcoin is transitioning from fringe innovation to a legitimate component of modern monetary strategy.
Why This Strategy Works for Retail Investors
For everyday investors, navigating the complexities of crypto markets can be daunting. The "invest-and-forget" model offers a disciplined alternative to reactive trading.
Key benefits include:
- Reduced emotional decision-making: By committing to long-term holding, investors avoid panic-selling during downturns.
- Lower barrier to entry: Small, recurring investments make Bitcoin accessible regardless of income level.
- Compounding effect: Reinvesting gains over time amplifies returns without active management.
This approach mirrors strategies used in traditional retirement accounts but applies them to an asset class with higher growth potential—and higher risk.
Frequently Asked Questions (FAQ)
What does 'invest-and-forget' mean in crypto?
It refers to buying Bitcoin regularly (e.g., monthly) and holding it long-term without reacting to market fluctuations. The goal is to benefit from compounding growth over years or decades.
Is Bitcoin safe for long-term investment?
While no investment is risk-free, Bitcoin has demonstrated resilience and strong returns since its inception. Its fixed supply and growing institutional adoption support its long-term viability.
How much should I invest each month?
Start with an amount you’re comfortable losing—many experts recommend 1–5% of disposable income. Consistency matters more than size.
Can governments ban Bitcoin?
While individual countries may impose restrictions, Bitcoin’s decentralized nature makes it extremely difficult to eliminate globally. Regulatory clarity is improving in many regions.
Does dollar-cost averaging work with Bitcoin?
Yes. DCA reduces the impact of volatility by spreading purchases over time, helping investors avoid buying at peak prices.
What if I don’t have $100 to invest?
You don’t need large sums. Many platforms allow purchases of fractions of a Bitcoin—some for less than $10.
The Future of Bitcoin: Built on Scarcity and Demand
Bitcoin’s value proposition lies in its scarcity, decentralization, and growing utility. With increasing interest from nations, institutions, and individuals, demand continues to rise while supply remains fixed.
As more investors adopt a long-term mindset—inspired by leaders like Fred Thiel—the narrative around Bitcoin shifts from speculation to strategic wealth preservation.
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Whether you're new to digital assets or refining your portfolio strategy, embracing patience and discipline can position you well in the evolving financial landscape.
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