Cryptocurrencies are moving beyond short-term trading and into long-term financial planning. According to a 2025 survey carried out by Aviva, around 27% of UK adults would consider including crypto coins in their retirement portfolios. The appeal lies in the possibility of digital assets yielding high returns despite their higher risks compared to traditional investments. Those investing with retirement in mind could consider three altcoins, as discussed in this article.
3 Crypto Coins to Watch for Long-Term Retirement Planning
Three cryptocurrencies are catching investor attention right now, as part of their retirement investment plan. Let’s take a look at Ripple (XRP), Moonshot MAGAX (MAGAX), and Cardano (ADA).
1. Ripple (XRP): The Institutional Crypto for Stability
Trading at $2.91 in August 2025, XRP has proven itself as one of the more reliable cryptocurrencies. According to XRP price prediction, analysts expect the crypto coin to climb 200% targeting beyond $9. The driving factor here is XRP ETFs, even as the New Canary American-Made ETF Filing Fuels Optimism.
Ripple’s strength lies in its utility, powering cross-border payment systems. It aims to disrupt $150 trillion global payments market. Now that legal clarity that has tolled its progress for long is behind it, XRP is offering stability with strong institutional partnerships. This sets it apart from other riskier altcoins.
XRP could form a perfect portion of an investor’s portfolio, with a 10–20% allocation that offers both growth and stability. This makes the altcoin a dependable retirement asset.
2. Moonshot MAGAX (MAGAX): A Crypto Coin with Big Potential
Moonshot MAGAX, priced at just $0.00027 in its presale, is grabbing attention for its explosive upside. Some forecasts suggest it could climb to $0.27 by late 2025, a possible 150x return. That means a $100 stake could, in theory, grow to $15,000. Of course, being a presale token, it carries significant risk.
Unlike many meme-focused crypto coins, MAGAX adds utility with its “Meme-to-Earn” ecosystem powered by Loomint AI. It rewards viral content creators, while features like deflationary tokenomics, staking rewards, DAO governance, and a Certik audit boost its credibility.
MAGAX belongs in the speculative slice of a retirement portfolio. Its low entry price and high-reward potential appeal to younger investors or those with decades until retirement.
3. Cardano (ADA): A Long-Term Innovator Among Crypto Coins
At $0.84, Cardano price is consolidating in 2025, with short-term moves seeming modest. However, it remains among the top 10 cryptocurrencies with a market cap exceeding 30 billion, according to CoinMarketCap. The blockchain is recognized for its research-driven approach, focusing on scalability, decentralized governance, and sustainability. This methodical strategy attracts long-term and patient investors, even though it may not move as fast as rivals like Ethereum.
Additionally, Cardano plans to integrate XRP into its official light wallet, Lace, by the end of 2025. With this implementation, users will be able to store, send, and receive XRP using Lace.
ADA is innovative, yet stable. Allocating a 10-15% allocation to an investor portfolio can strengthen diversification in a retirement plan for investors who are in it for about 10 to 20 years.
Final Thoughts: Diversifying with Crypto Coins
Each of these coins plays a different role: MAGAX for speculation, XRP for stability, and ADA for innovation. A balanced approach could look like this:
5-10% in MAGAX
10-20% in XRP
10-15% in ADA
The rest, in more traditional assets. This way, you are strengthening your retirement plan by combining high-risk opportunities with more reliable options.
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Jane Lubale
Jane Lubale is a crypto journalist and SEO content writer at CoinGape, with a strong focus on blockchain, cryptocurrency, FinTech, and Web3 narratives.
With 4+ years of experience in the digital finance space, she is known for producing in-depth, well-researched content that bridges technical accuracy with reader-friendly clarity.
Jane holds a Master’s in Business Administration, and a degree in Marketing, and blends this background with her passion for market research and digital marketing to deliver engaging price analysis, thought leadership, and educational content. Her work has also been published in leading crypto media such as Insidebitcoin , where she has contributed to the growing conversation around decentralized technologies.
With 5+ years of experience in Decentralized Finance (DeFi), Jane’s writing is driven by a mission to educate and empower readers with insights that cut through hype and deliver true value. She achieves this in the form of trading strategies, regulatory updates, or blockchain adoption trends.
Away from the keyboard, Jane is a proud mother of three boys and is often found mentoring young people on career paths, personal development, and life choices, as well supporting needy teens complete school. She holds modest investments in cryptocurrency, reflecting her belief in the future of digital finance.
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