On August 8, US President Donald Trump signed an executive order on Thursday allowing alternative assets such as private equity, cryptocurrencies, and real estate to be included in workplace pension plans. But some investor advocates warn that while these new investments may offer attractive benefits, they also pose significant risks for long-term retirement savers.
Jerry Schlichter, founding partner of law firm Schlichter Bogard, which specializes in high-fee 401 (k) litigation, said: "The goal of the average person is to have a safe and secure retirement plan, and new areas like cryptocurrency or private equity are fraught with dangers for investors."
Investment experts generally recommend that core long-term portfolios be allocated to diversified assets that provide stable returns over the long term (at least for decades). Jerry Schlichter points out that broad-based equity index funds are an appropriate 401 (k) investment option given the long-term upward trend in the stock market.
The problems with cryptocurrencies are clear. While some have delivered spectacular returns, such assets have been around for too short a time to prove their safety. "Cryptocurrencies have no long-term performance history, and their performance is highly volatile in the short to medium term," says Schlichter. "If you don't understand this investment, you shouldn't rely on it as a retirement asset."
401 (k) case lawyer: The goal of ordinary people is to have a safe and reliable retirement plan, and the cryptocurrency sector is rife with various dangers
2025-08-08 00:29:22
Disclaimer:
1. The information provided does not constitute investment advice. Investors should make independent decisions and bear all risks themselves.
2. The copyright of this content belongs to the original author. The views expressed herein are solely those of the author and do not represent the stance or position of this website.
Previous article：
401(k)案件律师：普通人的目标是拥有安全可靠的退休计划，加密货币领域充满各种危险Next article：
pump.fun 成立 Glass Full 基金会，将为生态系统代币注入流动性
