Crypto in Your 401(k)? The Future of Retirement Investing

Crypto in Your 401(k)? The Future of Retirement Investing

In this episode of A Wiser Retirement® Podcast,Casey Smith is joined by Robert Swarthout, CEO and Portfolio Manager of Teton Crypto Capital. Together, they dive into the latest crypto news, from the launch of new ETFs to the growing influence of stablecoins in U.S. Treasuries. The conversation explores how these developments could impact retirement planning and whether crypto deserves a place in your 401(k).

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Summary

The Rise of Crypto ETFs

August may have been a quiet month in crypto, but the industry is heating up again. The SEC has recently streamlined the approval process for spot crypto ETFs, opening the door for dozens of new investment options. With nearly 100 applications pending, investors will soon have more ways than ever to access cryptocurrency through regulated markets.

Stablecoins and U.S. Treasuries

A fascinating prediction is gaining traction: stablecoins could become the largest holders of U.S. Treasuries within five years, surpassing China and Japan. While some worry about risks like mass sell-offs, others see stablecoins as a force that could help maintain the dollar’s dominance for decades.

24/7 Trading and Tokenized Assets

The financial world is changing rapidly. Tokenized treasuries and stablecoins now allow for trading anytime, anywhere, no more waiting for markets to open. This continuous cycle may unsettle traditional investors, but for those in crypto, it’s business as usual.

Crypto in Retirement Plans

Should cryptocurrency be part of your 401(k)? Casey and Robert agree it makes sense as a long-term investment option, if done carefully. Wiser Wealth Management began offering Bitcoin and Ethereum exposure through ETFs nearly two years ago. With cautious allocation (no more than 5–10% of a portfolio), crypto can boost returns without overwhelming retirement savings.

Balancing Risk and Reward

The biggest challenge is human behavior. Investors often buy high and sell low, chasing returns instead of sticking to disciplined strategies. Retirement accounts thrive on balance and diversification, not speculation. That’s why index-based crypto ETFs, rather than individual tokens, may be the future of retirement investing.

Cryptocurrency is still a young asset class, comparable to buying DVDs before players existed. The technology and regulation are catching up, and investors willing to take a measured, long-term approach could benefit greatly. But as always, discipline and caution are key.

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