Aug 14, 2025
Amerikaner können inzwischen über ihre 401(k)-Rentenpläne in Bitcoin (und andere Kryptowährungen) investieren, mit potenziell weitreichenden Folgen. Das 401(k)-System umfasst rund 9 Billionen US-Dollar und ist kein statischer Sparstock, sondern ein stetig wachsender Strom: Jedes Jahr fließen über 550 Milliarden US-Dollar an Beiträgen von 70 Millionen Arbeitnehmern und ihren Arbeitgebern hinein.
Wie die untenstehende Grafik zeigt, würde bereits eine vergleichsweise kleine Allokation von 5 % dieser Beiträge in Bitcoin jährliche Zuflüsse von 30 bis 40 Milliarden US-Dollar bedeuten und bis 2035 auf rund 343 Milliarden anwachsen. Zum Vergleich: Das ist mehr als das Sechsfache der 52 Milliarden US-Dollar, die US-amerikanische Spot-Bitcoin-ETFs bislang angezogen haben.
Es ist wichtig zu betonen, dass dieser Prozess Zeit benötigt. Das Dekret von Präsident Trump setzt zunächst einen 6- bis 12-monatigen Regulierungsprozess in Gang, bevor entsprechende Produkte in Rentenpläne aufgenommen werden können. Das Arbeitsministerium wird die Treuhandregeln nach ERISA überprüfen, um sogenannte „Safe Harbors“ zu schaffen, die das Risiko von Klagen für Arbeitgeber verringern, die Bitcoin-ETFs und ähnliche Produkte anbieten. Parallel dazu wird die SEC die Vorschriften für akkreditierte Investoren prüfen, mit dem Ziel, den Zugang zu erweitern.
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