“When $12.5 trillion in retirement funds collides with cryptocurrencies, is this really investing? It’s like strapping a rocket booster to Bitcoin!”
Qing Yao's commentary
Trump recently signed a “big deal” — allowing Americans' retirement funds to buy Bitcoin and Ethereum! How intense is this?
For example: The total size of the US 401(k) is $8.7 trillion, and even if only 1% is used to buy crypto, that's equivalent to $87 billion entering the market, which could directly push Bitcoin prices to the moon! Not to mention that financial giants like BlackRock and Empower have already launched fund products combining “retirement funds + cryptocurrencies,” clearly aiming to seize this wave of profit.
But there's a painful question: Is it really reliable to trade cryptocurrencies with retirement savings?
Senator Warren directly criticized: “The volatility of cryptocurrencies is more thrilling than a roller coaster; is the pension of the working class becoming a field of chives?” Historical cases also hit back — Intel was sued by employees for including private equity products in their retirement plan and ended up paying.
Qing Yao's opinion:
In the long term, it’s a huge positive: Traditional capital entering is the key to the “out-of-the-box” phase for cryptocurrencies, Bitcoin may become a “standard asset” like gold in the future;
Don’t get too excited in the short term: The policy has just landed, institutions are still testing the waters, rushing in now may make you a “bag holder”;
Keep an eye on the big institutions: The products from BlackRock and others are the real barometers; their willingness to increase the proportion of cryptocurrencies is the true signal.
Is buying crypto with retirement funds a wealth feast or a trap for the unsuspecting? Share your thoughts in the comments! Follow Qing Yao, in the next episode we will analyze whether the ‘$200,000 Bitcoin prediction’ is reliable, hit follow so you don’t get lost~#比特币流动性危机
