6.6 Regulation 劳工部提案拟允许401(k)投资加密货币等另类资产，引发风险与收益讨论。
美国劳工部在特朗普总统的指示下，提出了一项新提案，拟允许401(k)退休计划投资加密货币、私募股权、私募信贷和房地产等另类资产。草案要求受托人在经过严格尽职调查流程后，可获得法律免责，包括对业绩、费用、流动性、估值、基准和复杂性等方面的全面评估。 支持者认为，这一举措有望提升回报并实现投资多元化，但批评者警告称，这些资产风险较高、费用较高且流动性较差，可能对普通退休储户带来更大风险。该提案将公开征求意见60天。 如果最终通过，将为普通投资者打开此前仅限高净值或机构投资者的投资渠道。法律专家指出，广泛采用仍需时日，关于利弊的讨论仍在持续。
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