Over 7 years of investing in the Bitcoin ecosystem, I have developed my own approach towards powering my financial foundation with Bitcoin. My portfolio stands on 4 main pillars. Savings, investments, income and debt.
My investment strategy is simple: Bitcoin is the foundation of my financial future.
I see Bitcoin as sound money for the digital age - scarce, decentralised, and designed to protect purchasing power over decades. It’s not a trade for me. It’s a long-term conviction, a personal standard and a hedge against a broken financial system. Bitcoin is the foundation of my whole financial existence.
1. Savings in cold storage - the foundation and base layer (ca. 80% of portfolio allocation)
The foundation of my portfolio is held in cold storage under my full control. The savings, growing by ~ 60% per year (average Bitcoin compound annual growth rate). If you don’t hold your own keys, you don’t own your Bitcoin. My cold storage stack is untouchable capital. It’s my savings account for the next decades and generational wealth - secured offline, away from custodians, exchanges, and governments. This is the most essential part for everybody who embraces Bitcoin - NOT YOUR KEYS, NOT YOUR COINS. Learning how to self custody your Bitcoin is the most important part of the Bitcoin ethos.
That’s the part I’ll NEVER, under almost no circumstances sell. It’s my store of value, my peace of mind, and the foundation of everything.
2. Bitcoin aligned investments in public companies (ca. 10% of portfolio allocation)
If Bitcoin is the new hurdle rate (ca. 60% p.a.), then the only investments which can outperform Bitcoin is more Bitcoin or companies which can buy Bitcoin cheaper than I can. We saw an explosion of Bitcoin treasury companies in 2025 and some of them can and will outperform Bitcoin. This is the risk part of the portfolio. Bitcoin is the risk free rate, so obviously by investing in companies, the capital is exposed to counterparty risk, execution risk, changes of legal structures in certain countries etc., therefore the risk has to be very carefully analysed. I’m investing in these companies with a time horizon of at least 15 years.
The companies I think have the most asymmetric risk-reward ratio are as followed:
Strategy Inc (MSTR) The benchmark for corporate Bitcoin strategy and treasury innovation. The giant when it comes to publicly traded Bitcoin treasury companies. Executive Chairman Michael Saylor is one of the smartest and well spoken people in Bitcoin. He understands the asset on a very, very deep level and is literally transforming and revolutionising the financial markets with his Bitcoin powered flagship. MSTR is now issuing fixed income products like STRK, STRD, STRC and STRF. The total addressable market for these products is around US$ 200 trillion, so the potential is huge. The company grew from a market cap of ~ US$ 1 billion in 2020 to ~ US$ 115 billion in 2025, returning investors ~ 1150% or a 115x.
IREN Ltd (IREN) Iren is a publicly traded company that has its focus on Bitcoin mining and AI cloud computing which go hand in hand, using renewable energy sources. They operate large-scale data centres powered by hydroelectric and wind energy, aiming to provide a more sustainable approach to Bitcoin mining. Iren is deeply committed to supporting local communities through its operations. The company strategically selects sites with abundant and underutilised renewable energy sources, ensuring that its presence benefits both the environment and the local economies. By forming long-term partnerships with local stakeholders, Iren fosters positive relationships and contributes to the economic development of the regions where it operates. It has returned investors ~ 600% over the last 3 years since 2022.
Cleanspark Inc (CLSK) Cleanspark is a publicly traded Bitcoin mining company listed on the NASDAQ. They focus on efficient, large-scale Bitcoin mining, owning and operating their own energy infrastructure for low-cost power. Their goal is to become one of the biggest and most efficient miners in North America. Cleanspark holds a growing Bitcoin treasury, meaning they keep much of the BTC they mine instead of selling it. This gives investors direct exposure to upside of Bitcoin plus operational leverage. When the price of Bitcoin rises, miners like Cleanspark often outperform BTC itself.
They’re expanding rapidly, targeting over 50 EH/s hash rate and more than 1 gigawatt of contracted power in 2025. It offers leveraged exposure to BTC - more upside, but also more risk. In a Bitcoin-based portfolio, it can act as a growth amplifier alongside direct Bitcoin holdings and adds diversification into the productive side of the Bitcoin network. Returning investors ~ 360% over the last 3 years since 2022.
3. Income (ca. 5% of portfolio allocation)
Income is important in a portfolio because it provides consistent cash flow, reducing reliance on selling assets for liquidity. I’m very aware that a lot of other Bitcoiners will disagree with me on this and will tell you to simply work and save in Bitcoin, but in my opinion, once you get to a decent portfolio size, income becomes essential as it adds a lot of flexibility to it. For the first 3 years in Bitcoin, I have focussed on building a substantial stack of Bitcoin and have just recently - over the last 4 years added other positions. Nevertheless, I’m still adding more Bitcoin every day and most likely, I will do that until the day I die. Everything starts with a good stack of Bitcoin, that is always going to be the foundation.
The income position I have added is MSTY (YieldMax MSTR Option Income Strategy ETF).
The fund generates income primarily by selling option premiums on MSTR. The premium income + interest from treasuries/cash = weekly distributions in form of a dividend payout. Part of the weekly distributions are ‘return of capital’ (ROC), meaning not all distributions are from profits - some reduce cost basis and/or eat into NAV(Net Asset Value).
High yield: MSTY boasts very large distribution rates - much higher than conventional income instruments, because of the risky/volatility-related premiums.
Regular income stream: Receive weekly payouts. For investors wanting cash flow rather than waiting on capital gains, that’s attractive.
Bitcoin engine: Get indirect exposure to the Bitcoin narrative via MSTR, but with a twist: the ETF is monetising volatility rather than simply longing for capital appreciation. If the BTC and therefore MSTR volatility persists, MSTY can do well. And in my opinion, the volatility won’t go away over the next decade. At some point I will probably add Strategy’s credit instruments STRC, STRK, STRF and STRD, which are also income-generating instruments with the Bitcoin engine, all with different attributes and way less risky than MSTY.
4. Debt (ca. 5% of portfolio allocation)
If you have read the book Rich Dad Poor Dad by Robert Kiyosaki, you probably know that there are two types of debt. There is the kind of debt you use to buy depreciating assets or consumer goods. Useless stuff like TV’s, cars, clothes, lifestyle upgrades, furniture, vacations etc. It drains your future income and traps you in a never ending hamster wheel, this is the debt you want to avoid at all cost. But there is also the kind of debt you use to acquire appreciating assets and investments, which generate income or give you inflation-outpacing returns. You can borrow against assets you already own like property, a stock portfolio or Bitcoin. It works for you and grows your net worth over time if done strategically and conservative.
So I have decided to borrow against ~ 5% of my Bitcoin to buy more Bitcoin related assets and/or Bitcoin itself. This is very risky and these loans need to be managed very carefully to succeed. I’m using strategic debt to short the dollar system and go long on the hardest money ever created: Bitcoin. The platform I use to do this is ledn.io.
Ledn is a Bitcoin and digital asset financial platform that lets you borrow against your Bitcoin without selling it.
You lock up your BTC as collateral, receive a US$ or USDC loan, and still keep full exposure to your Bitcoin’s upside. When you repay the loan, you get your Bitcoin back. As far as I know, they can pay out loans in pretty much every currency but the loans are denominated in USD.
I have put together 7 reasons why strategic debt makes sense for a portfolio:
1. Stay Fully Long on Bitcoin
Selling your BTC for cash kills your position, you give up all the future appreciation of Bitcoin. Borrowing keeps your exposure while unlocking liquidity.
2. Short the Dollar System
When you borrow fiat, you’re effectively betting that fiat loses value faster than your Bitcoin appreciates - a smart inflation hedge.
3. Tax Efficiency
In most jurisdictions, borrowing against your BTC isn’t a taxable event - unlike selling and triggering capital gains. On top of that, you can write off taxes on an income-generating asset you have potentially bought with the loan against the income it produces.
4. Buy the Dip Without Selling
If Bitcoin corrects 30-40%, you can borrow and buy more - increasing your long-term stack at low prices.
5. Optional Leverage, Not Forced Leverage
Unlike margin trading, you control your loan-to-value (LTV). Keep it conservative - say 20-30% - and you’re safe even in big drawdowns.
6. Compound Bitcoin Growth
If BTC appreciates by ~ 60% p.a., but your interest rate is ~ 10% p.a., your net return after interest is still around 50%. You’re compounding faster than fiat depreciation.
7. Maintain Liquidity and Optionality
Access cash for opportunities, life expenses, or investments - all while keeping your Bitcoin in cold storage with Ledn’s transparent proof-of-reserves system.
Strategic Bitcoin-backed borrowing is about using weak money (fiat) to acquire strong money (Bitcoin) and therefore increasing returns significantly over time if the risks are managed appropriate - safely, conservatively, and with a long-term mindset.
This is one of the many ways you can use the strategy the wealthy use since centuries. Bitcoin brings these constructs to everybody who takes the time to understand it.