Bitcoin News
By Maheen Hernandez
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The 5% Rule and Who It Comes From. Bill Bengen has a number for this. He's the financial planner best known for the 4% withdrawal…
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How Institutions Are Actually Playing This. CalPERS, the largest public pension fund in the United States, hasn't bought Bitcoin outright.
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Quantum Risk and Other Unknowns. There's also the longer-term uncertainty that doesn't get talked about enough.
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Most Americans don't want Bitcoin anywhere near their 401(k). A recent survey found 77% of Americans see cryptocurrency as a risky addition to workplace retirement plans — and…
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But that hasn't stopped major institutional names from weighing in on the other side. BlackRock and Fidelity both think a small slice of Bitcoin can actually improve retirement…
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Bill Bengen has a number for this. He's the financial planner best known for the 4% withdrawal rule — the rough guideline that retirees can pull 4% of their savings annually…
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Ryan Firth of Mercer Street Personal Financial Services takes a similar line but frames it differently.
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That's a meaningful distinction. Owning shares in a company that generates revenue from crypto is a very different risk profile than holding Bitcoin through a bear market.
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See also: AERO Soars 17.7% While Bitcoin Slides 1.3% in Market Pullback
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A researcher named Parker — whose work covers portfolio choice and Bitcoin — makes the same argument.
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And the volatility is real. Bitcoin's history includes extended bear markets, multiple drawdowns exceeding 70%, and periods where the asset spent years below previous highs.
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There's also the longer-term uncertainty that doesn't get talked about enough. Quantum computing poses a potential threat to Bitcoin's cryptographic foundations, though the…
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The broader point most experts seem to land on: you can believe in crypto's transformative potential without betting your retirement on it.
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Related: Worldcoin Soars 13.6% as Altcoin Strength Emerges Amid Market Decline
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Firth's framing probably captures it best. Bitcoin can sit alongside stocks in a diversified portfolio.
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