生成中...【新闻摘要】
"特朗普要给美国人的养老金账户'加料'了！这位前总统大手一挥，要求监管机构180天内修改规则，允许401k养老金投资加密货币、私募股权、房地产和黄金——这下美国打工人的退休金不仅能买比特币，还能炒房炒艺术品了！最绝的是，就在五个月前劳工部才刚撤销'投资加密货币需极度谨慎'的指导意见，现在直接快进到'全民当韭菜'模式。虽然华尔街巨头道富和先锋已经摩拳擦掌准备推出私募基金养老金产品，但批评者警告：'等普通工人发现自己的退休金被套在流动性差的另类资产里时，特朗普早退休去炒他的NFT了！'"
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**Trump orders review to expand crypto access in US retirement accounts**
特朗普下令审查扩大加密货币在美国养老金账户的准入
**4 days ago Share Save Natalie Sherman BBC Business Reporter Share Save**
4天前 分享 保存 娜塔莉·谢尔曼 BBC商业记者
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**EPA President Trump signs executive order on retirement investments**
EPA图片 特朗普总统签署退休投资行政令
**President Donald Trump has directed US regulators to ease restrictions on alternative investments in workplace retirement plans, potentially opening trillions in 401k savings to cryptocurrencies, private equity and real estate. Thursday's executive order gives the Labor Department 180 days to review rules that have discouraged employers from offering such options.**
总统特朗普指示美国监管机构放宽对职场退休计划中另类投资的限制，可能为加密货币、私募股权和房地产开放数万亿美元的401k储蓄。周四的行政命令给予劳工部180天时间审查阻碍雇主提供此类选项的规定。
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**The move aims to"provide everyday Americans with the same investment opportunities as wealthy elites," Trump said, while creating new funding streams for crypto and alternative asset firms. Critics warn it could expose retirement savers to high-risk, illiquid investments traditionally reserved for sophisticated investors.**
特朗普表示此举旨在"为普通美国人提供与富豪精英相同的投资机会"，同时为加密货币和另类资产公司创造新的资金流。批评者警告这可能使退休储蓄者暴露于传统上保留给成熟投资者的高风险、非流动性投资。
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**Reuters Vanguard and State Street headquarters**
路透社 先锋和道富集团总部
**Major 401k providers like Vanguard and State Street have already partnered with alternative asset managers. Blackstone and Apollo Global recently launched private-equity funds for retirement accounts, though currently limited to institutional clients.**
先锋和道富等主要401k提供商已与另类资产管理公司合作。黑石和阿波罗全球最近推出了面向退休账户的私募股权基金，尽管目前仅限于机构客户。
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**The order reverses Biden-era caution, following May's rollback of Labor Department guidance that warned against crypto in 401ks. Trump's first-term attempt to promote private equity in retirement plans saw limited uptake due to legal concerns.**
该命令逆转了拜登时代的谨慎态度，继5月份撤销劳工部反对加密货币进入401k的指导意见后。特朗普首个任期内推动退休计划投资私募股权的尝试因法律担忧而收效甚微。
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**Getty Images Bitcoin and Ethereum cryptocurrency tokens**
Getty图片 比特币和以太坊加密货币代币
**While expanding access could benefit Trump-linked crypto firms, analysts note practical hurdles remain."Most 401k platforms aren't equipped to handle illiquid assets that take months to value or sell," said Morningstar's Aron Szapiro.**
虽然扩大准入可能使特朗普关联的加密公司受益，但分析师指出实际障碍仍然存在。"大多数401k平台不具备处理需要数月估值或出售的非流动性资产的能力，"晨星的阿龙·萨皮罗说。
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**The Securities and Exchange Commission must also approve any new investment options. Former SEC Chair Jay Clayton cautioned that"retirement security shouldn't be the testing ground for novel asset classes."**
证券交易委员会还必须批准任何新的投资选择。前SEC主席杰伊·克莱顿警告称"退休安全不应该是新资产类别的试验场"。
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**With additional reporting by Michael Goldstein in New York**
纽约迈克尔·戈尔茨坦补充报道
