BackgroundBackground
The goal of this experiment is to showcase how buying bitcoin and holding can beat stock picking.
Motley Fool is pretty well known in the investment space and they charge customers are good amount of fiat for access to their stock selections. 4 Years ago I got a free offer via my credit card to try Motley Fool’s stock advisor product for one year.
Using a simple dollar cost averaging strategy (DCA) of $100 a month ($50 to Stock Advisor and $50 to Bitcoin) I purchased their recommended stocks and bought bitcoin.
The results are below:
Performance to Date:Performance to Date:
Bitcoin $5,936.94 ( Return of 117.71%)Bitcoin $5,936.94 ( Return of 117.71%)
This quarter was tough. We lost about 70% of our return due to bitcoin having a dip here as we end 2025. As the price dips we are able to stack more sats. We are now at 6.7M sats! Not too shabby. Is it enough to buy a house or car? No but that should discourage us. We just keep stacking!
Stock Advisor $3,325.45 (Return of of 23.16%)Stock Advisor $3,325.45 (Return of of 23.16%)
During this last dip the stock portfolio is up 3% but still lags bitcoin on the longer time horizon. Crowd SHOP and AMZN are saving this portfolio from going negative but the real shocker here is the performance of ADBE. Great business but the macro trend is AI and investors think ADBE will be a loser in the AI race. It is really crazy to see this stock down so much over a 4 year span.
ConclusionConclusion
While we had this dip as we end Q4 of 2025 the proof is still in the pudding. After 4.25 years of saving Bitcoin just about doubled my fiat while stocks gave me a meh return of 23%. This 23% is what Wall St. and financial advisors will tell you to be happy with but now we have an alternative that can protect and enhance our purchasing power.
A Check into the Major IndexesA Check into the Major Indexes
S&P 500S&P 500
9/13/2021 — — — > 4,468.72
12/21/2025 — — — > 6,834.50
Return of 52.29%
Dow JonesDow Jones
9/13/2021 — — — — -> 34,869.63
12/21/2025 — — — — -> 48,134.89
Return of 38.04%
NASDAQNASDAQ
9/13/2021 — — — — > 13,105.58
12/21/2025 — — — — ->23,307.62
Return of 77.84%
Final Thought 💭Final Thought 💭
The passive investor is doing very well especially those who are invested in the NASDAQ. A 77% return over a 4.25 period is not too bad but those who chose to use bitcoin for their primary savings crushed all these stock market investments.
I am thinking of increasing the DCA for this experiment as we approach a full 5 years of doing this experiment. With a 10 year horizon let see how much fiat we can return by pouring it into bitcoin and these investments.
Going into the new year would be a perfect time to increase it 100% $100 to BTC and $100 to the stocks per month.
Until next time!
Great work. I have a financial advisor and showed him a similar chart I made. Can’t argue the facts!
We should really just measure the stonk value in BTC.
Bitcoin will reprice the world. If doesn’t I guess all of us bitcoiners will HFSP
\dfrac{∞}{21M}21M∞
I both love it and hate it haha.. I think that at some level it's a nice dream to have, however I'm also totes fine if it is just a subset: Bitcoin works as a choice, this we know. If we find out it doesn't work as the only choice, then that's ok I think. Having a choice is the most important anyway; a choice to unshackle oneself.
But what if we are wrong and it’s a complete failure.
I do not see a way how it can fail. What will fail? Cryptography? Then we fix it.
A zero day bug? I read bitcoin OpTech so many things are constantly being tweaked and fixed.
Like I was reading about block propagation times and a solution to stop miners from mining on stale blocks.
And I think damn what if someone finds a zero day then exploits it making individuals lose trust in the system. (Like this what I think core vs knots and Quantum is trying to do now)
Leading all of us in the west only to flip a switch and kill our confidence in the system. Maybe China or Russia would try to do such an attack
There was this attack earlier this year on Monero re: selfish mining. They say Doge is next so let's see, because that's mined with massive ASIC farms too and not with commodity compute. A really good canary. So let's see if that goes how the attacker has marketed that it will. If it does, it can be analyzed and solutions can be built, on time.
This is a known flaw, since forever. Just it got exploited for the first time this year, after 16 years. There are also known solutions - but these are hard forks.
That's what all the politicians, bankers and other unsavory figures will do. Good riddance, imho.