米国の議員は、仮想通貨への投資を許可する法案を提出します 401(k) 退職金制度

いくつかの米国. 議員は、退職貯蓄近代化法を導入して、 401(k) 退職貯蓄者は幅広い投資にアクセスできます, 暗号資産を含む. “With inflation at record highs, 株式市場の低迷, そして、地平線上の潜在的な不況, many Americans are rightfully concerned about their financial future,” said U.S. Senator Pat Toomey.

Retirement Savings Modernization Act Introduced

アメリカ. Senate Committee on Banking, ハウジング, and Urban Affairs announced Thursday that Senators Pat Toomey (R-PA) and Tim Scott (R-SC) and Representative Peter Meijer (R-MI) have introduced a bill called the Retirement Savings Modernization Act.

の 明細書 aims “to bolster Americans’ retirement savings by allowing workers to diversify assets included in defined contribution plans, そのような 401(k) plans,” the announcement details. “This legislation will amend the Employee Retirement Income Security Act of 1974 (ERISA) to clarify that private sector retirement plan sponsors may offer plans, including both pensions and 401(k)s, that are prudently diversified across the full range of asset classes.”

Senator Toomey opined, “With inflation at record highs, 株式市場の低迷, そして、地平線上の潜在的な不況, many Americans are rightfully concerned about their financial future,” elaborating:

By providing 401(k) savers with access to the same asset classes as pension plans, my legislation will open the door to a more secure retirement for millions of Americans.

While pension plans and 401(k) plans are covered by the same law, the former have incorporated asset classes outside of the public markets since 1982. その間, the latter “almost never incorporate exposure to alternative assets due to fiduciaries’ anticipated litigation risk,” the announcement explains. The bill lists “digital assets” as a “covered investment.”

Senator Scott described: “Inflation has eroded and devalued the savings many Americans spent their lives accumulating. This bill would modernize retirement plans to ensure they can provide diverse investments with higher returns. American workers and their families deserve to go about their lives with peace of mind, knowing their hard-earned money will be secure when they choose to retire.”

Until the 1970s, most Americans working in the private sector relied on pension plans for retirement. 今日, the vast majority of private sector workers rely on 401(k) plans. “However, pension plans have consistently outperformed 401(k) plans because they diversify across the full range of asset classes, putting one of every five dollars in alternative asset classes like private equity,” the lawmakers noted.

Representative Meijer stressed:

Americans deserve flexibility with their retirement options, especially in times of fiscal uncertainty.

アメリカ. Department of Labor (DOL) issued a notice in March warning about crypto investments in 401(k) plans. “The department has serious concerns about the prudence of a fiduciary’s decision to expose a 401(k) plan’s participants to direct investments in cryptocurrencies, or other products whose value is tied to cryptocurrencies,” the DOL wrote. “These investments present significant risks and challenges to participants’ retirement accounts, including significant risks of fraud, theft, and loss.”

Despite the warning by the Labor Department, 忠実度, a major 401(k) plan administrator, announced in April that it will allow bitcoin as an investment option in its new 401(k) products. The financial giant’s decision caused concerns for the Labor Department. Senator Elizabeth Warren (D-MA) is also worried, demanding answers from Fidelity regarding its decision to allow bitcoin in 401(k) plans.

In May, a U.S. senator introduced a bill prohibiting the Labor Department from interfering with investments in retirement accounts. In June, 私たち. Treasury Secretary Janet Yellen said that crypto is “very risky,” emphasizing that it is unsuitable for most retirement savers.

Do you think all retirement savers should be able to invest in anything including cryptocurrencies? 以下のコメントセクションでお知らせください.

ケビン・ヘルムズ

オーストリア経済学の学生, ケビンがビットコインを発見 2011 それ以来ずっとエバンジェリストです. 彼の関心はビットコインのセキュリティにあります, オープンソース システム, ネットワーク効果と経済学と暗号の交差点.

画像クレジット: シャッターストック, Pixabay, ウィキ・コモンズ