您的401（k）中的比特幣？ Schiff在退休儲蓄賭博上聽起來很警報

彼得·希夫（Peter Schiff）警告不要將比特幣包括在退休計劃中，理由是美國人已經有些儲蓄的風險。特朗普的加密友好政策是賭博嗎？

So, picture this: Bitcoin in your retirement account. Sounds futuristic, right? But according to economist Peter Schiff, it might just be a recipe for disaster, especially with the already shaky state of retirement savings in America. Let's dive into the Bitcoin, Schiff, and Retirement Savings saga.

因此，想像一下：退休帳戶中的比特幣。聽起來很未來派，對吧？但是，根據經濟學家彼得·希夫（Peter Schiff）的說法，這可能只是災難的秘訣，尤其是在美國已經搖搖欲墜的退休儲蓄狀態。讓我們深入研究比特幣，席夫和退休儲蓄傳奇。

Schiff's Stance: Bitcoin is a Risky Bet

席夫的立場：比特幣是一個冒險的賭注

Peter Schiff, the gold bug and Bitcoin skeptic, isn't mincing words. He believes letting folks gamble their already meager retirement savings on volatile assets like Bitcoin is a terrible idea. He points to a recent executive order that eases restrictions on crypto access in 401(k)s, potentially affecting millions of Americans. Schiff argues this is essentially gambling with people's futures.

彼得·希夫（Peter Schiff）是金蟲（Gold Bug）和比特幣懷疑論者（Bitcoin Waskedic），並不是刻畫單詞。他認為讓人們賭博他們已經微不足道的退休儲蓄在像比特幣這樣的波動資產上是一個可怕的主意。他指出了最近的一項行政命令，該命令減輕了401（k）s的加密訪問的限制，可能會影響數百萬美國人。希夫認為這實質上是在人們的未來上賭博。

In his own words (via X), Schiff said that allowing Americans to gamble what little retirement savings they have in their 401(k)s on Bitcoin and other cryptos, Trump just made this problem much worse!” He's not just throwing shade; he's genuinely concerned about the impact of crypto's wild price swings on retirement funds.

用他自己的話（通過X）說，允許美國人賭博在比特幣和其他加密貨幣上的401（k）中，他們的退休儲蓄很少，特朗普使這個問題變得更糟了！ ”他不僅拋出陰影；

Trump's Crypto Push: A Double-Edged Sword?

特朗普的加密推動：一把雙刃劍？

Donald Trump's administration is pushing for greater crypto integration, even within retirement plans. An executive order is expected to be published to direct federal regulators to lift barriers currently preventing the inclusion of bitcoin, gold, and private equity in professionally managed 401(k) funds. The crypto industry sees this as a win, but critics like Schiff worry about investor protection and potential financial instability for retirees.

唐納德·特朗普（Donald Trump）的政府即使在退休計劃中也在推動更大的加密整合。預計將發布一項行政命令，指導聯邦監管機構解除目前阻止在專業管理的401（k）基金中包含比特幣，黃金和私募股權的障礙。加密貨幣行業將這一勝利視為勝利，但是像Schiff這樣的批評家擔心投資者的保護和退休人員的潛在金融不穩定。

This move aims to establish a true “regulatory shield” for plan managers, enabling them to offer less liquid — but potentially more profitable — assets without fear of lawsuits related to their complexity or higher fees.

此舉旨在為計劃經理建立真正的“監管盾牌”，使他們能夠提供較少的流動性（但可能更有利可圖）資產，而不必擔心與其複雜性或更高費用有關的訴訟。

Beyond Retirement: Bitcoin's Broader Role

超越退休：比特幣的廣泛角色

Schiff's skepticism extends beyond retirement accounts. He questions Bitcoin's relevance in geopolitical contexts and dismisses the hype around high-profile Bitcoin advocates. For him, it's all speculation and unsustainable popularity.

席夫的懷疑範圍超出了退休帳戶。他質疑比特幣在地緣政治背景下的相關性，並駁斥了圍繞備受矚目的比特幣擁護者的炒作。對他來說，這都是猜測和不可持續的受歡迎程度。

However, it’s also important to acknowledge that Bitcoin's performance over longer timeframes has been impressive. Over the last 10 years, Bitcoin has soared 42,934%, dwarfing gold's 208% return. Of course, past performance doesn't guarantee future results, but it does highlight the potential for significant gains.

但是，也必須承認，比特幣在更長的時間範圍內的表現令人印象深刻。在過去的10年中，比特幣飆升了42,934％，使Gold的208％回報相形見war。當然，過去的績效不能保證未來的結果，但它確實突出了大幅提高的潛力。

The Great Debate: Safe Haven or Risky Asset?

偉大的辯論：避風港還是有風險的資產？

The core of the issue is whether Bitcoin is a safe haven or a risky asset. Schiff maintains it's the latter, while others argue it offers diversification and growth potential. As more Americans gain access to crypto through retirement accounts, the long-term consequences remain to be seen.

該問題的核心是比特幣是避風港還是有風險的資產。席夫堅持認為這是後者，而其他人則認為它具有多元化和增長潛力。隨著越來越多的美國人通過退休帳戶獲得加密貨幣，長期後果仍有待觀察。

The Bottom Line

底線

So, should you put Bitcoin in your 401(k)? It's a personal decision, but proceed with caution. Peter Schiff's warnings highlight the risks involved, especially when it comes to your retirement nest egg. While the potential for high returns is enticing, the volatility of crypto markets can be unsettling. Do your homework, consider your risk tolerance, and maybe chat with a financial advisor before taking the plunge.

那麼，您應該將比特幣放入401（k）中嗎？這是一個個人決定，但要謹慎行事。彼得·希夫（Peter Schiff）的警告強調了所涉及的風險，尤其是在退休巢雞蛋方面。雖然高回報的潛力是吸引人，但加密市場的波動可能令人不安。做作業，考慮您的風險承受能力，並可能在投入之前與財務顧問聊天。

And hey, if all else fails, there's always gold, right? Just kidding (sort of)!

嘿，如果其他所有失敗，總有黃金，對嗎？只是開玩笑（有點）！