Is it too late to become a Bitcoin millionaire? Is now the right time to buy?

What Is an “Okuribito”?

“Okuribito” is a uniquely Japanese term describing individuals whose net assets have exceeded 100 million yen through investments such as stocks, forex, or crypto assets. The term became widely known during past crypto booms.

With the rapid growth of the crypto market, a wave of investors built nine-figure fortunes in a short period, sometimes from relatively small initial investments. As a result, “Okuribito” gained traction throughout investor communities. There are also cases where early investors in major cryptocurrencies like Bitcoin and Ethereum multiplied their assets by hundreds or thousands of times within just a few years.

Can Ordinary People Still Become “Okuribito” by Entering the Market Now?

In short, “it’s not too late, even now.” However, this does not mean that simply buying a little Bitcoin will automatically make you a millionaire.

Key points to consider:

• Setting Investment Amount and Timeframe: You need a strategic plan for how much you’ll invest, over what period, and how you’ll hold your assets.
• Understanding Growth Potential: Even investments in the hundreds of thousands to millions of yen can potentially grow substantially over time with the right strategy and patience.
• Thorough Risk Management: It’s essential to stick with your investments from a long-term perspective, without being shaken by short-term price swings.

The Bitcoin market is still in a growth phase. With more institutional investors joining and regulations advancing, there is potential for further price increases. While you may not see the explosive growth of previous surges, steady asset building through sound investment strategies is still very possible.

Realistic “Okuribito” Scenarios by Investment Amount

A Realistic Path for Retail Investors

The difficulty and approach to becoming an “Okuribito” vary significantly depending on your investment size. Here are some specific scenarios:

• Investing Less Than 100,000 Yen: This is primarily for the experience and sense of participating in the future. While becoming an “Okuribito” with this amount is extremely difficult, it’s an effective way to gain investing experience and learn about crypto markets.

• Investing Around 1 Million Yen: Over a ten-year span, this amount could yield several multiples of your investment. If Bitcoin continues to grow, you might build assets in the tens of millions of yen from this starting point. Combining long-term holding with dollar-cost averaging is recommended.

• Investing Around 10 Million Yen: This is where reaching “Okuribito” status becomes realistic. If Bitcoin’s price grows tenfold, you’ll reach 100 million yen—a scenario that’s not unrealistic given historical growth rates.

• Monthly 30,000 Yen Accumulation (DCA): This is the most practical and accessible strategy, with the potential to build over 50 million yen in assets long-term. Dollar-cost averaging diversifies price risk and helps you steadily accumulate assets with less psychological stress. Staying consistent for 10 to 15 years makes reaching “Okuribito” status a realistic goal.

Key Bitcoin Price Forecasts

Many financial institutions and well-known investors have issued bullish forecasts for Bitcoin’s future price:

• Institutional Entry and ETF Growth: The recent approval of spot Bitcoin ETFs has accelerated large-scale capital inflows from institutional investors, driving up prices.

• Inflation and Financial Instability: Global inflation concerns and distrust in financial systems have increased interest in Bitcoin as an alternative asset. In emerging markets, Bitcoin is especially valued as a hedge against currency devaluation.

• Tighter Supply and Demand: Bitcoin’s halving events reduce new supply, and growing demand increases upward price pressure. The limited circulating supply is enhancing Bitcoin’s scarcity value.

Some top analysts predict Bitcoin could reach $100,000 to over $500,000 in the future. However, these are only forecasts—actual price movements will depend heavily on market conditions and regulatory developments.

Returns from Long-Term Holding: Historical Results and Outlook

Long-term Bitcoin holding strategies have proven highly effective in historical data:

• High Average Annual Return: Over the past five years, Bitcoin’s average annual return was around 155%, far outpacing traditional financial assets.

• Benefits of Long-Term Holding: Investors who held for more than four years have all seen positive returns, regardless of entry timing. This highlights the importance of staying invested long term and not being distracted by short-term volatility.

• Consistent Performance: For about 13 years since the 2010s, long-term holding strategies have worked consistently. While market maturity may slow future growth, the long-term appreciation trend is expected to continue.

This evidence supports using Bitcoin for long-term wealth building rather than short-term speculation. However, past performance is no guarantee of future results, so robust risk management is critical.

High-Risk Shortcuts: The Dangers of Leverage and Futures Trading

Attempting to rapidly multiply your assets with leverage is extremely risky and can lead to a total loss if you approach it lightly.

Main risks of leveraged trading:

• Forced Liquidation: If the price moves against you and your margin runs out, your positions may be forcibly closed, potentially wiping out your investment.

• Emotional Mistakes: Leverage makes gains and losses more volatile, making it easy to lose your composure. Trades driven by fear or greed often lead to further losses.

• Sudden Market Swings: The crypto market trades 24/7, and unexpected news or large trades can trigger sharp price swings. With leverage, you may not have time to react.

Recommendation: Using leverage above 2x is not recommended. Beginners should start with spot trading, fully understand the market, and carefully consider their strategies. If you want to become an “Okuribito,” it’s wise to focus on sound long-term holding rather than risky shortcuts.

Why More People Are Holding Bitcoin Long Term

Several important factors are driving the steady increase in long-term Bitcoin holders:

• Spot Bitcoin ETF Approval: The US approval of spot Bitcoin ETFs now allows investors who were previously hesitant about crypto exchanges to easily buy Bitcoin through brokerage accounts. This has sped up inflows from both individuals and institutions.

• Accelerating Institutional Investment: Major financial institutions and corporations are adding Bitcoin to their portfolios. The entry of mainstream financial players improves market stability and credibility, encouraging more investors to participate.

• Progress in Regulation: Governments and regulators are creating frameworks to protect investors. This safer environment is making long-term investing more appealing and accessible to individuals.

• Recognition as an Inflation Hedge: With global inflation concerns rising, Bitcoin’s capped supply is making it attractive as a hedge against fiat currency devaluation. This is especially true in emerging markets, where Bitcoin is increasingly seen as a safeguard against local currency instability.

Thanks to these factors, Bitcoin is shifting from a speculative plaything to a legitimate tool for long-term wealth building.

A Realistic Path to “Okuribito” Status with Bitcoin

Key Requirements

Let’s break down what it takes to achieve “Okuribito” status through Bitcoin:

• Required Price Growth: If Bitcoin is currently around 14 million yen, you’d need a price increase of more than sevenfold to reach 100 million yen. This isn’t impossible, but it will require significant time and patience.

• Long-Term Perspective: If Bitcoin eventually hits $700,000 (roughly 100 million yen), owning just one Bitcoin could make you an “Okuribito.” Several analysts have predicted this level, and over a 10–15 year timeframe, it’s a realistic scenario.

• Effectiveness of Dollar-Cost Averaging: Instead of investing a lump sum, periodically investing a fixed amount helps spread out price risk and lower your average cost. Over the long term, you can also benefit from compounding.

Practical Strategies

Here are realistic strategies for pursuing “Okuribito” status:

• Avoid High-Risk, Short-Term Trading: Steer clear of leverage and day trading for short-term gains. Focus on long-term holding and avoid getting caught up in short-term market swings. Maintain a multi-year (or even decade-long) perspective.

• Stick With the 30,000 Yen Monthly Accumulation: This strategy is realistic and comes with minimal stress. Many people can sustain 30,000 yen per month, totaling 3.6 million yen over ten years. With Bitcoin price appreciation, it’s possible to build assets in the tens of millions—or even reach nine figures.

• Consider Diversification: Don’t limit yourself to Bitcoin. Adding other leading cryptocurrencies or traditional assets can help reduce risk and boost returns. To keep things manageable, limit diversification to three to five holdings.

• Keep Learning and Gathering Information: The crypto market evolves daily. Keep learning from reliable sources, and be vigilant against scams or misinformation.

Summary

Although Bitcoin’s price remains high, becoming an “Okuribito” is still possible. While explosive growth like in earlier booms is unlikely, steady asset building is achievable with the right strategy and a long-term approach.

Focus not just on “how much you can make,” but on “how much you can comfortably keep investing.” Set an investment amount that fits your financial situation and lifestyle, and stick with it—this is your key to success.

Don’t rush or get greedy. Make time and diversification your allies, and invest with your own strategy. Ignore short-term price swings, keep a long-term perspective, and aim for steady wealth building. Bitcoin investing isn’t a get-rich-quick gamble—it’s a tool for building your future wealth.

FAQ

What Is Bitcoin’s Current Price? Is There Still Room to Grow?

Bitcoin is currently priced at about $87,000–$88,000. In 2026, after the halving and with continued institutional inflows, it’s highly likely to rise to $150,000–$250,000. Technically, an uptrend toward $100,000 is also forming.

Is It Realistic to Invest in Bitcoin Now and Become an “Okuribito”?

Becoming an “Okuribito” from investing now is not realistic. Most current “Okuribito” bought in the early days. A more practical approach is to focus on long-term holding (HODL) and, if possible, gradually increase your capital by developing trading skills.

When Is the Best Time to Buy Bitcoin? How Can You Time Your Investment?

The best time to buy is after a major price drop. Historically, Bitcoin has recovered after crashes, making long-term holding more advantageous. Buying after positive news also presents opportunities. The time around halvings is another key window. Rather than aiming for perfect timing, focus on “good enough” entries—scoring 70–80% is the key to long-term success.

What Are the Main Risks of Bitcoin Investing?

Major risks include sharp price swings, high tax burdens (up to 55%), loss of funds from transfer errors, government regulation, and fraud/theft. Crypto is far more volatile than stocks, so gather information carefully and start small.

How Does Bitcoin Differ from Other Cryptocurrencies (Altcoins)? Which Is Better?

Bitcoin is “digital gold”—it’s stable and good for preserving value. Altcoins may offer higher growth potential but come with much greater volatility and risk. Beginners should focus on Bitcoin, while those seeking higher returns might diversify into altcoins.

Can You Start Investing in Bitcoin With a Small Amount? What’s the Best Way for Beginners?

Yes, you can start with as little as 500 yen. Beginners can open an account, deposit yen, and buy easily through a smartphone app. Since Bitcoin is divisible to small units, it’s simple to start with any amount.

How Are Taxes Handled for Bitcoin Investing? What Happens if You Make a Profit?

Profits from selling Bitcoin are considered miscellaneous income and are subject to progressive taxation. If your gains exceed 950,000 yen, you’ll need to file a tax return. Rates range from 5–45% and are calculated alongside salary income. Failing to file can result in penalties and additional taxes.