401k

Автор новости: Crypto Emergency
Сенатор США Элизабет Уоррен выступила с резкой критикой инициатив по включению криптовалют в пенсионные планы 401(k). В письме, направленном в Комиссию по ценным бумагам и биржам (SEC), она заявила, что такие активы могут подвергнуть миллионы работников серьёзным финансовым рискам и подорвать их долгосрочные сбережения.

Поводом для обращения стал указ президента Дональда Трампа от августа 2025 года, который призывает регуляторов расширить доступ к альтернативным активам, включая криптовалюты, в пенсионных программах.

Высокая волатильность против долгосрочных целей
По словам Уоррен, пенсионные накопления должны расти постепенно и предсказуемо, тогда как криптовалюты характеризуются резкими и непредсказуемыми колебаниями. Она напомнила о падении биткоина в конце 2025 года, когда цена снизилась на 33% всего за шесть недель, что, по её словам, «уничтожило сотни миллиардов долларов стоимости».

Сенатор также сослалась на государственные исследования, указывающие на сложности с объективной оценкой криптоактивов и отсутствие надёжных моделей прогнозирования доходности. Это, по её мнению, делает цифровые активы неподходящими для пенсионных стратегий.

«Для большинства американцев 401(k) — это спасательный круг, а не место для азартных игр», — подчеркнула Уоррен.

Основные риски, на которые указывает Уоррен
• Резкие обвалы цен, способные уничтожить годы накоплений;
• Слабая защита инвесторов и недостаточная прозрачность рынка;
• Повышенные комиссии, снижающие долгосрочную доходность;
• Возможные конфликты интересов в формировании политики.

Вопросы к криптосвязям администрации Трампа
Уоррен также выразила обеспокоенность финансовыми интересами семьи Трампа в криптоиндустрии. Она утверждает, что продвижение криптовалют в пенсионных планах происходит на фоне сообщений о значительной прибыли проектов, связанных с окружением президента, несмотря на падение стоимости многих токенов.

По её словам, это создаёт риск того, что политика может приносить выгоду инсайдерам, одновременно подвергая работников потенциальным убыткам.

Опасения по поводу будущего регулирования
Сенатор предупреждает, что новые законодательные инициативы в Конгрессе могут ослабить полномочия SEC в отношении криптопродуктов. Это, по её мнению, откроет лазейки, позволяющие рискованным активам попадать в пенсионные счета без должного надзора, что может усилить нестабильность финансовой системы.

Уоррен уже неоднократно критиковала криптопроекты, связанные с Трампом. В 2025 году она назвала их «мошенничеством на 800 миллионов долларов» и «магистралью криптокоррупции», а также заявила, что поддерживаемые администрацией стейблкоины представляют угрозу национальной безопасности.
#CryptoNews  #Криптовалюты  #401K  #Investing  #PensionFunds

Senator Elizabeth Warren, along with other lawmakers, recently sent a letter to the SEC raising concerns that adding cryptocurrency to 401(k) retirement plans would be dangerous and could lead to significant financial harm for millions of Americans.
Key Arguments and Concerns
The letter, also sent to the Department of Labor, emphasizes that cryptocurrencies are a highly volatile and speculative asset class that lacks the necessary guardrails and transparency for secure retirement saving.
Extreme Volatility: Citing a Government Accountability Office (GAO) study, the senators noted that the volatility of cryptocurrencies like Bitcoin can be several times higher than that of the S&P 500, posing a major risk to stable, long-term retirement planning.
Lack of Regulation and Scams: The unregulated nature of the crypto market makes it more susceptible to fraud, theft, market manipulation, and scams, which accounted for billions in reported losses in recent years.
No Inherent Value or Cash Flow: The GAO study mentioned that because crypto tokens do not produce cash flow or generate returns like traditional assets (stocks and bonds), profit can only be made by selling them at a higher price, making the investment more akin to gambling.
Illiquidity Concerns: The illiquid nature of some crypto assets can raise serious concerns during economic downturns when retirees might need to access their savings quickly.
Recent Developments
The letter to the SEC follows a recent executive order by President Trump that directed federal agencies to review their positions on alternative assets in retirement plans, aiming to provide broader access to investments like private equity and cryptocurrencies.
The Department of Labor (DOL) has since rescinded its prior 2022 guidance that had advised plan fiduciaries to exercise "extreme care" before offering crypto options, now taking a more neutral stance.
The senators also raised concerns about potential conflicts of interest, referencing reports that the Trump family's financial interests might influence the administration's push for crypto accessibility in retirement plans.
SEC Chair Paul Atkins has indicated a different approach from the previous administration, aiming to "embrace this new area of innovation," but maintains that "fraud is fraud" and will be pursued to the full extent of the law.

#CryptoRisk

#crypto

#ElizabethWarren

#SEC

#401K

Massive move incoming — President Trump is expected to sign a new executive order that would allow crypto, real estate, and private equity to be included in 401(k) retirement plans, per Bloomberg.
👉 This policy could reshape the future of crypto adoption, easing fiduciary restrictions and giving retirement fund managers more flexibility to offer diversified options like Bitcoin & digital assets.
📈 Market Reaction:
$BTC surged from $114,900 to $116,800 within hours — now cooling around $116,300 as traders price in potential inflows.
Derivatives market is heating up too:
🟢 Volume ⬆️
🟢 Open Interest ⬆️
While $BTC hasn’t cracked the major $120K resistance, this could be a game-changer for long-term demand from institutions and retirement investors.
🧠 Reminder: This is huge for crypto’s future — but always trade smart.
💸 Take profits, manage risk, and stay sharp.
✅ Follow for more live updates, crypto news, and pro trade setups!

#CryptoNews #CryptoIn401k #Bitcoin #USFedNewChair #401K
$BTC

American 401(k) retirement plans are opening the door to cryptocurrencies!
An executive order was signed by President Donald Trump on Thursday, August 7, 2025.
This opportunity is arguably more significant than the approval of crypto ETFs, as it offers a steady influx of funds into the crypto sector.
Based on an executive order signed on August 7, 2025, cryptocurrencies cannot be immediately included in 401(k) plans. The order itself does not authorize purchases but rather initiates a regulatory process to potentially allow their inclusion in the future.
Here is a detailed breakdown of the timeline and rules:
* Potential Inclusion Date: To Be Determined, Dependent on New Rules
The executive order is not self-executing, meaning there is no specific date from which cryptocurrencies can be automatically added to 401(k) plans. The order simply directs federal agencies to create the necessary regulatory framework.
Theoretically, a plan administrator could offer cryptocurrencies now, but they would do so under a cloud of legal uncertainty and face significant risk of litigation until official guidelines are issued. Therefore, it is expected that the vast majority of providers and employers will wait for the new rules.
* Rulemaking: Deadline of February 2026
The Department of Labor (DOL), which oversees compliance with the Employee Retirement Income Security Act (ERISA), plays a key role. The executive order has given the department a clear task and deadline:
Rulemaking Deadline: The Department of Labor has 180 days from the date the order was signed (August 7, 2025) to review existing guidelines and propose new rules.
Expected Publication Date: The new rules and guidelines should therefore be published no later than early February 2026.
These new rules are expected to clarify the duties of plan administrators (fiduciaries) when selecting and monitoring cryptocurrency investments, how to manage their volatility, and what disclosure requirements apply to plan participants. It is possible that "safe harbors" may also be introduced, which would provide legal protection to administrators who follow the prescribed procedures.
* Estimated First Cryptocurrency Purchases: Not Before 2026
Even after the final rules are published by the Department of Labor, it will still take some time before purchases actually take place:
Provider Analysis and Implementation: Major 401(k) plan providers (such as Fidelity, Vanguard, Charles Schwab) will need to analyze the new rules and implement them into their systems. This includes technical solutions for trading and custody of cryptocurrencies, as well as the preparation of informational materials for clients.
Employer Decisions: Every employer that offers a 401(k) plan will have to decide for themselves whether to offer this new investment option to their employees.
Inclusion in Offerings: Only then will individual plan participants be able to allocate a portion of their funds to cryptocurrencies.
Experts estimate that broader availability and the first actual purchases of cryptocurrencies within 401(k) plans can be expected during the course of 2026, with more widespread adoption potentially taking several years.
* Current Status of Major Providers:
Fidelity: Has previously expressed interest and has prepared the necessary infrastructure. It is expected to be one of the first to launch the offering once the rules are clarified.
Charles Schwab: Currently allows investment in crypto-ETF funds and stocks of companies in the industry, but does not offer direct cryptocurrency purchases within retirement plans.
Vanguard: Remains very cautious about cryptocurrencies and has not yet announced plans for their direct inclusion in 401(k)s.#401K