Small and Automated Savings 7/12

In my last post, I introduced the idea that Bitcoin may be better suited to the world many younger Australians now find themselves living in. (We'll discuss some ideas that are probably best taken over a long weekend.)

That's a big statement.

After all, Australians have traditionally built wealth through:

• Property 🏘️
• Shares 📰
• Superannuation 💰
• Precious metals 🪙
• Businesses and collectibles 🏭

All of these can work.

The question is whether they're the best fit for someone starting today.

When I compare investments, I tend to look at five things:

• How much capital do I need to start?
• How liquid is it?
• How quickly can I change my mind?
• What ongoing costs are involved?
• Can I automate the process?

Property remains the investment of choice for many Australians, but it also comes with a list of considerations such as:

• Large deposits
• Borrowing requirements
• Ongoing maintenance
• Council rates and insurance
• Long holding periods, among other things......

And as recent discussions around changes to Capital Gains Tax on investment properties remind us, investment rules can change over time.

Shares are more accessible and can be bought in small amounts, but again, investors are still relying on:

• Management teams
• Boards
• Regulators
• Market structures
• Market timing

Precious metals solve some of these issues, but introduce others:

• Storage
• Security
• Buying and selling friction

And alternative investments such as cars, art, collectibles and private businesses often require all of the above, plus;

• Specialist knowledge
• Significant research

Bitcoin is different. Not because it's perfect and definitely not because it's risk free, but because it solves many of these problems simultaneously.

• You can start with $10.
• You can buy today, next week, next month, or not at all.
• You can increase your exposure, reduce it, or pause completely.
• And perhaps most importantly, you can automate the entire process.

We've decided to build that ability into the payroll system to ensure automated saving and no friction.

• No timing the market.
• No waiting until you've saved a deposit.
• No needing to remember every month.

Just small amounts, invested consistently over time.

To me, that's one of Bitcoin's most under-appreciated strengths.

It's not just an investment.

It's an investment that ordinary people can start, control, and automate. And in a world that keeps changing, flexibility and optionality have become valuable assets in their own right.

GPIB does not provide financial advice. We do not take your personal circumstances into account. The information above is general in nature and reflects my personal observations and experience.