Trump Approves Crypto for Retirement Accounts as Bitcoin Surges Past $120K – Wha

[AiCoinCN]

According to recent reports, former President Donald Trump has approved a policy allowing cryptocurrency investments—such as Bitcoin—to be included in U.S. retirement accounts (like IRAs). This marks a major step toward the institutional acceptance of digital assets in long-term financial planning.

At the same time, Bitcoin has officially broken past the $120,000 mark, signaling renewed bullish momentum in the crypto market.

Key implications of this move may include:

Legitimacy Boost – Crypto is becoming part of the mainstream financial system.

Capital Inflows – Retirement funds and institutional investors may accelerate adoption.

Long-Term Confidence – BTC hitting $120K could be just the beginning of a new cycle.

Portfolio Diversification – More people might consider  BTC as a hedge for the future.

Questions for discussion:

Would you trust Bitcoin or crypto assets in your retirement account?

Is this a smart move or a risky gamble for long-term savings?

Could this decision pressure other countries to regulate crypto more clearly?

[avikz]

Questions for discussion:

Would you trust Bitcoin or crypto assets in your retirement account?

Why not! If I look back into Bitcoin price history and if that trend continues, Bitcoin could become the greatest asset of the world when we retire. I kind of have a similar plan with my personal holdings.

Is this a smart move or a risky gamble for long-term savings?

I think this is a smart move considering the past trends. But you never know what could happen with a decentralized asset like Bitcoin. So I think a balance is needed. Portfolio diversification is good but we need to understand how to limit exposure into a specific kind of asset.

[The Sceptical Chymist]

Would you trust Bitcoin or crypto assets in your retirement account?

Uh, no.  If Satoshi is still alive and saw this question being posed as a serious one, I betcha his eyes would be popping out of his head.  I mean, bitcoin was created to be an alternative to the traditional financial system, which includes banks and the governments they're in bed with.  One would have to assume that would include the huge institutions that administer retirement accounts. 

All of this talk of corporations and governments getting involved with bitcoin makes me shudder.

Is this a smart move or a risky gamble for long-term savings?

Pfft.  Unless bitcoin happened to eliminate its historic volatility (or at the very least tamp it down quite a bit), it would be insane to have bitcoin or any other cryptocurrency making up a substantial part of one's 401k or whatever else passes for a retirement account these days.  And then there's also that whole 'not your keys, not your coins' maxim.  If there's bitcoin in your retirement account, it's probably not actual bitcoin but some kind of derivative--but whatever form it takes, you don't have that bitcoin in your own custody.  Again, that's a no-no for those in the know.

[Zlantann]

Would you trust Bitcoin or crypto assets in your retirement account?

Retirement savings last for a long time. Public servants in my country could work for the government for as much as thirty-five years. And in all these years they are keeping some of their earnings in retirement accounts. Bitcoin is more profitable when it is given a long-term approach. Therefore, investing retirement funds in Bitcoin could be a good move. I will gladly accept Bitcoin as a retirement asset if I control my wallet keys.

Is this a smart move or a risky gamble for long-term ]savings?

All investments or assets have some level of risk. Since it is a long-term investment plan, it's a smart move.

Could this decision pressure other countries to regulate crypto more clearly?

The US is a role model to many countries. After Trump talked about Bitcoin reserve, lawmakers from other countries began to consider making laws that would mandate governments to establish Bitcoin reserves.  Don't be surprised if other nations amend their retirement investment laws to accommodate crypto.

[hero_the_bossman]

I would trust it, but I wouldn't make it the biggest part of the account, probably, but time will tell.

This move won't pressure anyone, because there are plenty people out there not seeing BTC for what it is.

[Fivestar4everMVP]

Questions for discussion:

Would you trust Bitcoin or crypto assets in your retirement account?

Yes, absolutely, so here in my country Nigeria, our local currency has been depreciating since it was created, so far, there is no hope for fiat, so if I get the opportunity to have to choose whether to switch over to bitcoin for my retirement savings, I would without hesitation accept it, I did be a multi-millionaire or even a billionaire by now if my retirement funds was saved in bitcoin since 2012 I opened my retirement savings account and started saving.

Is this a smart move or a risky gamble for long-term savings?

I don't know about others, but personally, this is a very smart move for long term savings, bitcoin without more adoption will continue to grow, adopting it for long term savings now is the best decision anyone can make now.

Could this decision pressure other countries to regulate crypto more clearly?

I don't know and can't tell since I can't read minds or predict the future, but it's absolutely good that the first step has been taken, and the country taking this very first step happen to be the country which every other countries around the world look up to.

[Uhwuchukwu53]

This news may sound good but two sided retirement not all individual can withstand seen the valitality of the system when the swayed will swing during the dip, this decision could have been an individual decision or workers. For me I can boldly made a decision is using my retirement account for such as result of some policy and government inefficiency to make good policy where the inflation statistics keep growing and there is no solution to mitigate it.

[john_egbert]

This news may sound good but two sided retirement not all individual can withstand seen the valitality of the system when the swayed will swing during the dip, this decision could have been an individual decision or workers. For me I can boldly made a decision is using my retirement account for such as result of some policy and government inefficiency to make good policy where the inflation statistics keep growing and there is no solution to mitigate it.

I think if you do it at all, you know what volatility can do to ya.

So you wouldn't panic sell or do something about your account due to that

[348Judah]

Would you trust Bitcoin or crypto assets in your retirement account?

Retirement savings last for a long time. Public servants in my country could work for the government for as much as thirty-five years. And in all these years they are keeping some of their earnings in retirement accounts. Bitcoin is more profitable when it is given a long-term approach. Therefore, investing retirement funds in Bitcoin could be a good move. I will gladly accept Bitcoin as a retirement asset if I control my wallet keys.

This is even more lucrative of a great advantage for the retiree's to have a secured future for their finances, if we go by the calculation on the duration of years a retired civil servant will take with his pension under a centralized economy and the interest they would have claimed to be giving, compared to what they stand to earn from Bitcoin if the pension was paid in crypto, this would have been a massive profits as bitcoin stand the best position for such purpose than fiat, since there's this intention to hold being included after the payment had been made.

[betswift]

Would you trust Bitcoin or crypto assets in your retirement account?

Retirement savings last for a long time. Public servants in my country could work for the government for as much as thirty-five years. And in all these years they are keeping some of their earnings in retirement accounts. Bitcoin is more profitable when it is given a long-term approach. Therefore, investing retirement funds in Bitcoin could be a good move. I will gladly accept Bitcoin as a retirement asset if I control my wallet keys.

This is even more lucrative of a great advantage for the retiree's to have a secured future for their finances, if we go by the calculation on the duration of years a retired civil servant will take with his pension under a centralized economy and the interest they would have claimed to be giving, compared to what they stand to earn from Bitcoin if the pension was paid in crypto, this would have been a massive profits as bitcoin stand the best position for such purpose than fiat, since there's this intention to hold being included after the payment had been made.

Depends on the realisation of this concept - but indeed, on the paper, it sounds better to have your retirement in BTC to than cash out if needed or to continue to hodl.

[Bellerophon1990]

I genuinely believe this will create long-term upward pressure on Bitcoin and other cryptocurrencies. That said, it's still unclear how asset managers will respond. Many have historically expressed skepticism—Warren Buffett being a notable example. It remains to be seen whether pension funds and retirement accounts will eventually join the movement.

[FortuneFollower]

I genuinely believe this will create long-term upward pressure on Bitcoin and other cryptocurrencies. That said, it's still unclear how asset managers will respond. Many have historically expressed skepticism—Warren Buffett being a notable example. It remains to be seen whether pension funds and retirement accounts will eventually join the movement.

Buffet is a fudster for BTC, it's obvious he wouldn't like it as an idea.

We shouldn't listen to it or others like him.

[cr1776]

I tend to think that Satoshi would be fine with it. People can use bitcoin how they see fit without anyone - Satoshi included - telling people not to do so.  And retirement accounts are part of the financial system.  There has been the ability to have bitcoin in IRAs for years although this seems to be opening the door wider.

Would you trust Bitcoin or crypto assets in your retirement account?

Uh, no.  If Satoshi is still alive and saw this question being posed as a serious one, I betcha his eyes would be popping out of his head.  I mean, bitcoin was created to be an alternative to the traditional financial system, which includes banks and the governments they're in bed with.  One would have to assume that would include the huge institutions that administer retirement accounts. 

All of this talk of corporations and governments getting involved with bitcoin makes me shudder.

Is this a smart move or a risky gamble for long-term savings?

Pfft.  Unless bitcoin happened to eliminate its historic volatility (or at the very least tamp it down quite a bit), it would be insane to have bitcoin or any other cryptocurrency making up a substantial part of one's 401k or whatever else passes for a retirement account these days.  And then there's also that whole 'not your keys, not your coins' maxim.  If there's bitcoin in your retirement account, it's probably not actual bitcoin but some kind of derivative--but whatever form it takes, you don't have that bitcoin in your own custody.  Again, that's a no-no for those in the know.

[Franctoshi]

Putting Bitcoin into retirement plan,This Just categorically tell how Bitcoin is for the future and the level of adopt that we are right now regardless, and I doubt if Bitcoin would go back from this level of adoption to where people would say they don't want to use Bitcoin anymore, rather we would see more adoption on the increase, and individuals will begin to consider putting Bitcoin on their retirement plans.

[Aanuoluwatofunmi]

I genuinely believe this will create long-term upward pressure on Bitcoin and other cryptocurrencies.

Either this come to be or not, the market will always be volatile to remain high or low by any economic influence or base on it's demand and supply, lots of factors could also surge it to rise as we had the bitcoin spot ETF and that of the Israel-Iran wat taking it down.

That said, it's still unclear how asset managers will respond. Many have historically expressed skepticism—Warren Buffett being a notable example. It remains to be seen whether pension funds and retirement accounts will eventually join the movement.

If truly this has been implemented, then every pensioneer will see it as a best alternative to them from the way their entitlement are being paid to banks and they make nothing out of it over the years.

[RacerPenguin]

This news may seem positive at first glance, but the idea of a two-sided retirement isn’t something every individual can handle—especially considering the volatility of the system. When the tide turns during an economic downturn, not everyone is prepared to withstand the impact.

This kind of decision should ideally be a personal one—left to each worker to decide for themselves. Personally, I’ve made the bold decision to use my retirement account, mainly due to ongoing policy failures and government inefficiencies. Inflation keeps rising, yet there seems to be no real solution in place to address or mitigate its effects. MyLabCorp

[tread93]

According to recent reports, former President Donald Trump has approved a policy allowing cryptocurrency investments—such as Bitcoin—to be included in U.S. retirement accounts (like IRAs). This marks a major step toward the institutional acceptance of digital assets in long-term financial planning.

At the same time, Bitcoin has officially broken past the $120,000 mark, signaling renewed bullish momentum in the crypto market.

Key implications of this move may include:

Legitimacy Boost – Crypto is becoming part of the mainstream financial system.

Capital Inflows – Retirement funds and institutional investors may accelerate adoption.

Long-Term Confidence – BTC hitting $120K could be just the beginning of a new cycle.

Portfolio Diversification – More people might consider  BTC as a hedge for the future.

Questions for discussion:

Would you trust Bitcoin or crypto assets in your retirement account?

Is this a smart move or a risky gamble for long-term savings?

Could this decision pressure other countries to regulate crypto more clearly?

Honeslty I think its fantastic that he has approved IRAs to be able to purchase crypto. This is going to be a major driving force in higher prices and higher adoption rates. Long term confidence is at an all time high I would say and its only being futher legitimized by the day. We have stablecoin bills and crypto tax laws being made and regulation framework. The world is fully accepting crypto at this point and its truly changing right before our eyes, its pretty wild to see.

[Abiky]

Uh, no.  If Satoshi is still alive and saw this question being posed as a serious one, I betcha his eyes would be popping out of his head.  I mean, bitcoin was created to be an alternative to the traditional financial system, which includes banks and the governments they're in bed with.  One would have to assume that would include the huge institutions that administer retirement accounts. 

All of this talk of corporations and governments getting involved with bitcoin makes me shudder.

Exactly. Integrating Bitcoin into the corrupt, centralized financial system will ultimately give more power to banks and governments. This is the complete opposite of what Satoshi envisioned in the early days. People aren't seeing the big picture. They only want prices to rise just to fill their pockets with money.

At least, a friendly regulatory landscape helps spur the growth of the entire crypto/Blockchain industry. Things would've been worse if BTC and other cryptocurrencies were deemed "illegal" for mainstream use. We'll see what happens in the long run.

[freedomgo]

Uh, no.  If Satoshi is still alive and saw this question being posed as a serious one, I betcha his eyes would be popping out of his head.  I mean, bitcoin was created to be an alternative to the traditional financial system, which includes banks and the governments they're in bed with.  One would have to assume that would include the huge institutions that administer retirement accounts. 

All of this talk of corporations and governments getting involved with bitcoin makes me shudder.

Exactly. Integrating Bitcoin into the corrupt, centralized financial system will ultimately give more power to banks and governments. This is the complete opposite of what Satoshi envisioned in the early days. People aren't seeing the big picture. They only want prices to rise just to fill their pockets with money.

At least, a friendly regulatory landscape helps spur the growth of the entire crypto/Blockchain industry. Things would've been worse if BTC and other cryptocurrencies were deemed "illegal" for mainstream use. We'll see what happens in the long run.

This is like the Trump’s government is still putting bitcoin into a trap, while continue to deceive people to save their bitcoin as their retirement funds, but in the long run only the government and banks will benefit the most. This is not the financial freedom that Satoshi wants for us, but rather a total freedom from the government and banks, get rid from their interventions so that we can be our own bank with bitcoin.

[Abiky]

This is like the Trump’s government is still putting bitcoin into a trap, while continue to deceive people to save their bitcoin as their retirement funds, but in the long run only the government and banks will benefit the most. This is not the financial freedom that Satoshi wants for us, but rather a total freedom from the government and banks, get rid from their interventions so that we can be our own bank with bitcoin.

We've been warned for a long time, centralizing forces (governments, banks, etc) were going to get ahold of Bitcoin. All in an attempt to limit/restrict people's freedom. These retirement accounts benefit banks more than it would benefit the average person. They will only get richer as a result. Being our own bank by practicing "self-custody" is our only hope to break free from such entities. If only people knew how to do this, centralizing forces wouldn't have such dominance on Bitcoin's circulating supply today. There's nothing we can do about it, since most people leave their coins at centralized exchanges. All they care is to make money.

At least, Bitcoin keeps reaching new ATHs. Just make sure you have access to the private keys/seeds associated with your BTC, and there should be nothing to worry about.