Money Market Funds Outperforming Saylor’s Bitcoin

Once again, Bitcoin is back in the news.

Already in 2025 …

• Trump established a U.S. crypto reserve that includes Bitcoin.
• Famous meme stock, GameStop Corporation (NYSE: GME) is closing stores and investing in Bitcoin.
• Perhaps crypto’s greatest threat, the SEC’s Gary Gensler, is no longer standing in the way of meaningful crypto legislation/adoption.

And everyone’s turning to their friends in the financial sector for insight, because they all remember the Bitcoin millionaires of 2020 and 2021.

To explore the reaches of the current Bitcoin opportunity, let’s look at one of the most avid Bitcoin enthusiasts today, Michael Saylor.

Saylor’s company, MicroStrategy Incorporated (NASDAQ: MSTR) first purchased Bitcoin in August of 2020 at a Bitcoin value of $11,654.

(Saylor was ousted as CEO of MSTR in 2022 but he is still the majority share holder).

Saylor’s initial purchase is overlaid on the BTC chart below. Every candle represents one week:

It looks like a pretty good entry …

At the current price levels in March/April of 2025, that’s a 610%* unrealized gain.

But that doesn’t tell the whole story of Saylor’s crypto journey.

And it doesn’t help unsuspecting traders make good financial decisions in today’s crypto environment.

The Truth About Saylor And Bitcoin

I would have asked Mikey Saylor to comment on this blog post that I’m writing about him.

But he blocked me on social media …

You can blame him, not me. It’s hard for some people to accept their mistakes. As you’re about to see 😆

Saylor’s company, MSTR, has never sold any of its Bitcoin.

In fact, MSTR continued to buy Bitcoin as it spiked upward. Look at the graph below that shows MSTR’s total Bitcoin holdings:

Saylor’s MSTR acquired a lot of Bitcoin in 2024 and 2025 …

As a result, the company is holding 528,185 Bitcoins at an average purchase price of $67,458 per coin.

That means, his five-year position in Bitcoin now has an average return, in March/April 2025, of only 24%. Without any profits along the way.

Look … I’m not a Bitcoin hater. I want Bitcoin to spike. The volatility would be great for our small-account trading niche.

But holding Bitcoin blindly, like Saylor’s MSTR, is just plain stupid.

I’m not the only person who’s realizing Saylor’s flawed strategy … Look at the post on X below from another keen observer:

The truth is: A trader could have invested in multiple market funds (with significantly more diversification) and realized larger returns than Saylor’s current five-year Bitcoin position.

Look at my post below for more details:

Where Saylor Should Have Put His Money

Instead of preaching his crypto position, and fooling new traders into HODLing … Saylor could have made better decisions with his money.

I know that he’s too busy hoarding Bitcoin to recognize his mistake. So I took the liberty myself to find investment vehicles that outperformed Saylor’s position.

It wasn’t hard.

Take a look at the simple mutual-fund scanner that I built in Etrade below:

Those are just the first ten mutual funds. And they all show five-year returns over 24% …

Even the SPDR Gold Shares ETF (NYSE: GLD), an asset that tracks the price of gold bullions, shows a 50% gain since August 2020. Saylor should have bought real gold instead of digital gold 😆

And for the sake of comparison, in that same time, I grew my own overall trading profits by 40% …

From $5,641,947 in August 2020, to $7,912,854 in March 2025.

I’ve also taken profits all along the way and donated them to charity.

And I’m not the only trader who did better than Saylor …

In the last five years I’ve helped to congratulate multiple millionaire traders.

Traders who grew their accounts, took profits, and traded the hottest stocks in the market with a process for success.

• Read about my millionaire student, Clay.
• Read about my millionaire student, JCP.
• Read about my millionaire student, Chace.
• Read about the millionaire brothers, Evan and Chris.

Michael Saylor might have a cool profile picture on X … But it doesn’t make up for his measly unrealized Bitcoin returns 😆

Traders, open your eyes! There is a process for success that doesn’t involve sketchy crypto positions.

I know. To you, it might feel like “this time is different”.

It’s never different.

I’ve been in this industry for over two decades. And in that time, I’ve always focused on the same process for profits.

It never involved HODLing sketchy assets.

Don’t listen to the silver-tongued Saylor. There are better ways to profit in the market.

Save your money for something that isn’t a ponzi scheme!

Cheers.

*Past performance does not indicate future results