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What’s it about?

According to media reports, the US is examining whether retirement accounts (such as 401(k)s) could be opened to cryptocurrencies — especially Bitcoin. The goal: give investors more choice, including alternative asset classes.

Why does it matter?

401(k) plans manage enormous amounts of capital and have so far focused largely on traditional assets. Allowing Bitcoin would mark a notable shift — potentially adding a volatile but high-upside component to private retirement portfolios. That’s a genuine change of course — with opportunities, but also clear risks.

Pros & Cons at a glance

• Pros: High long-term return potential, low correlation with traditional asset classes, “inflation hedge” narrative.
• Cons: Very high volatility, regulatory uncertainty, technical risks (custody/security).

What does this mean for investors in Switzerland?

Swiss retirement accounts work differently from US 401(k)s. Nevertheless, the discussion is relevant: anyone considering crypto should do so only with a limited portfolio share, through regulated products, and ideally with professional guidance.

finaro’s view

More choice is good — as long as risk disclosure and investor understanding are solid. In diversified retirement planning, a small crypto allocation may be sensible for some profiles, but liquidity needs, broadly diversified funds/ETFs, and Pillar 3a / 2nd pillar priorities come first. Opportunities should be made usable without endangering the overall strategy.

Source: Blick: «Trotz starker Schwankungen: Trump öffnet Altersvorsorge für Bitcoin»