您的401（k）中的比特币？ Schiff在退休储蓄赌博上听起来很警报

彼得·希夫（Peter Schiff）警告不要将比特币包括在退休计划中，理由是美国人已经有些储蓄的风险。特朗普的加密友好政策是赌博吗？

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，想象一下：退休帐户中的比特币。听起来很未来派，对吧？但是，根据经济学家彼得·希夫（Peter Schiff）的说法，这可能只是灾难的秘诀，尤其是在美国已经摇摇欲坠的退休储蓄状态。让我们深入研究比特币，席夫和退休储蓄传奇。

Schiff's Stance: Bitcoin is a Risky Bet

席夫的立场：比特币是一个冒险的赌注

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）是金虫（Gold Bug）和比特币怀疑论者（Bitcoin Waskedic），并不是刻画单词。他认为让人们赌博他们已经微不足道的退休储蓄在像比特币这样的波动资产上是一个可怕的主意。他指出了最近的一项行政命令，该命令减轻了401（k）s的加密访问的限制，可能会影响数百万美国人。希夫认为这实质上是在人们的未来上赌博。

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.

用他自己的话（通过X）说，允许美国人赌博在比特币和其他加密货币上的401（k）中，他们的退休储蓄很少，特朗普使这个问题变得更糟了！”他不仅抛出阴影；

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

特朗普的加密推动：一把双刃剑？

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.

唐纳德·特朗普（Donald Trump）的政府即使在退休计划中也在推动更大的加密整合。预计将发布一项行政命令，指导联邦监管机构解除目前阻止在专业管理的401（k）基金中包含比特币，黄金和私募股权的障碍。加密货币行业将这一胜利视为胜利，但是像Schiff这样的批评家担心投资者的保护和退休人员的潜在金融不稳定。

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.

此举旨在为计划经理建立真正的“监管盾牌”，使他们能够提供较少的流动性（但可能更有利可图）资产，而不必担心与其复杂性或更高费用有关的诉讼。

Beyond Retirement: Bitcoin's Broader Role

超越退休：比特币的广泛角色

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.

席夫的怀疑范围超出了退休帐户。他质疑比特币在地缘政治背景下的相关性，并驳斥了围绕备受瞩目的比特币拥护者的炒作。对他来说，这都是猜测和不可持续的受欢迎程度。

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，也必须承认，比特币在更长的时间范围内的表现令人印象深刻。在过去的10年中，比特币飙升了42,934％，使Gold的208％回报相形见war。当然，过去的绩效不能保证未来的结果，但它确实突出了大幅提高的潜力。

The Great Debate: Safe Haven or Risky Asset?

伟大的辩论：避风港还是有风险的资产？

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.

该问题的核心是比特币是避风港还是有风险的资产。席夫坚持认为这是后者，而其他人则认为它具有多元化和增长潜力。随着越来越多的美国人通过退休帐户获得加密货币，长期后果仍有待观察。

The Bottom Line

底线

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.

那么，您应该将比特币放入401（k）中吗？这是一个个人决定，但要谨慎行事。彼得·希夫（Peter Schiff）的警告强调了所涉及的风险，尤其是在退休巢鸡蛋方面。虽然高回报的潜力是吸引人，但加密市场的波动可能令人不安。做作业，考虑您的风险承受能力，并可能在投入之前与财务顾问聊天。

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

嘿，如果其他所有失败，总有黄金，对吗？只是开玩笑（有点）！