this post was submitted on 18 Jul 2025
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[–] peeonyou@hexbear.net 4 points 2 weeks ago (1 children)

most people probably aren't really managing their 401ks, they just have part of their check put in and they don't think about it.. the fund managers in the other hand might be enticed by the higher managing fees to take a bit more risk

[–] RION@hexbear.net 2 points 2 weeks ago (1 children)

But can't that be said of any publicly traded investment with more risk and/or higher expense ratio? What's different here that's going to make this uniquely worse?

[–] peeonyou@hexbear.net 2 points 2 weeks ago* (last edited 2 weeks ago)

I think because stocks and bonds have pretty well defined risk categories. You can choose to go risky or you can choose to go safe.

Crypto is extremely volatile though and there isn't realy much in the way of less risky investing. Maybe it will be offered as high-risk only? Maybe it will be rolled into broader investment portfolios to hedge the risk? Maybe the whole damn country will just get rug-pulled? Who knows?

The fact that it's even being considered tells me there's something wrong going on here and it won't be good for the people as a whole which in my experience is a pretty safe bet.