The person joining this year can surpass hypo 6 if he has lots of capital. With small capital you can't surpass even hypo 6.
I would not consider coming up with $85k right now in order to buy 2 BTC to be small capital.. and sometimes a person who invests over so much time, is way more empowered by having had spent that time.. even if the amount ended up ONLY being $100 per week, but maybe that could have had been as aggressive as he was able to be over the last 5 years... and yeah, maybe a person who is ONLY investing $10 per week is only at 0.2 BTC (valued at $8,500) after 5 years, but if that is as much as he is able to invest, then he is still quite a bit better off by investing into bitcoin rather than not doing so.. as long as he is able to safeguard his investment so he does not end up losing it.Great point. I just compiled results of last 5 years investment of 10 and 100 $ per week. Results are very much positive. Even if you have 10$ per week of saving then invest it in Bitcoin. With time it will give you good result.
Even investors in hypo 4,5 and 6 should not stop investing in DCA manner, as we still have to see full potential of Bitcoin.
Maybe, we cannot really know their circumstances, but you might be correct that it makes sense for them to keep building their stash, but if the are already getting into their 60s, they might be at a point where they are not really able to continue to build their stash and might have to consider ways to start to transition into either maintaining and/or even selling portions of their BTC stash to support or to supplement their living.The whole point of investment is to get good return. Any investment is of no use if it cant benefit the investor. I have an opinion that don't wait till your 60's to start using your funds. Use them when you have energy in your body.
What will be use of a million dollar in your 60's when you can't move freely and have different odds with your health. Try to use your investment when you are young and have energies. Driving lamborgani is your 30's or 40's is more
Of course there are exceptions and have people in 60's and 70's that have good health, they can take the chance of using funds in later part of age.
Just my opinion.