Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Sen. Elizabeth Warren (D-Mass.) said Thursday that President Donald Trump’s decision to allow cryptocurrencies in 401(k) plans could put “hard-earned savings” of Americans at risk. Warren Labels Crypto ‘Shadowy’ Market Warren took to X to voice her apprehensions about Trump’s executive orders that push private equity and cryptocurrencies into 401(k) retirement plans. “These shadowy markets lack strong gu ...

股票市场表现 - 美股交易价格接近历史最高水平 [1] - 这一现象对长期坚持401(k)等养老计划供款的美国工龄人口构成重大利好 [1]

社会保障核心功能 - 社会保障旨在为退休人员提供安全网 防止其陷入贫困 而非提供优渥的退休生活 [3][4] - 社会保障金通过工作者在职期间缴纳 退休后定期领取的方式运作 [3] 通胀对退休人员的影响 - 52%的退休人员因通胀影响削减了餐饮和旅游等非必要支出 [4] - 约30%的受访者通过动用银行存款或401(k)和IRA等储蓄弥补收支缺口 [5] 企业退休福利演变 - 企业逐渐从传统养老金模式转向401(k)计划 将储蓄责任转移给员工 [6] - 企业虽提供一定比例的401(k)匹配供款 但退休储备主要仍依赖员工自主承担 [6]