Hnub Tuesday, nyiaj txiag behemoth Charles Schwab tau tshaj tawm txoj kev tshawb fawb hu ua "401(k) Cov Neeg Koom Tes Kawm - Gen Z / Millennial Focus." Daim ntawv tshaj tawm suav nrog kev tshawb pom ntawm kev tshawb fawb online txhua xyoo ntawm 401 (k) cov neeg koom nrog hauv Tebchaws Meskas ua los ntawm Logica Research rau Schwab Retirement Plan Services Inc.
Qhov kev tshawb fawb tau tswj hwm los ntawm 1,000 401(k) cov neeg muaj feem cuam tshuam hnub nyoog 21 txog 70 xyoo uas tau ua haujlwm zoo los ntawm cov tuam txhab nrog tsawg kawg 25 tus neeg ua haujlwm. Raws li tsab ntawv ceeb toom:
Txawm li cas los xij, 401 (k) tseem tseem yog lub tsheb txuag nyiaj laus tshaj plaws rau cov neeg ua haujlwm niaj hnub no, Gen Z thiab cov neeg ua haujlwm ntau txhiab xyoo muaj feem ntau dua cov neeg laus los nqis peev hauv cryptocurrency, vaj tse, nyiaj xyoo, thiab kev lag luam me.
Tsis tas li ntawd, "thiab tshaj li plaub ntawm kaum Gen Z thiab cov neeg ua haujlwm ntau txhiab xyoo xav kom lawv tuaj yeem nqis peev hauv cov nyiaj laus thiab cryptocurrency hauv lawv 401 (k)," raws li tsab ntawv ceeb toom.
Raws li cov neeg koom nrog txoj kev tshawb fawb no feem ntau yuav txuag tau nyiaj superannuation hauv cov nyiaj khaws cia ntau dua li kev nqis peev sab nraud ntawm lawv 401 (k). Thiab qhov no yog ua tau los ntawm ib lub hlis twg nqis peev hauv cryptocurrencies.
Ib zaug nug txog lawv cov peev nyiaj, 43% ntawm Gen Z cov neeg koom tau hais tias lawv nqis peev hauv cryptocurrency, piv rau 47% ntawm millennials, 33% ntawm Gen X, thiab 4% ntawm boomers.
Raws li tsab ntawv ceeb toom, tso nyiaj rau hauv cryptocurrency yog ib qho ntawm tsib txoj hauv kev rau cov nyiaj laus. Nws yog 2 txoj hauv kev tshaj plaws rau cov neeg teb Gen Z kom txuag tau nyiaj laus.
Thaum nug seb lawv xav nqis peev hauv lawv li cas 401 (k) cov nyiaj, 39% hais tias cov nyiaj xyoo, uas muab cov nyiaj tau los tas li tom qab so haujlwm, thiab 32% hais tias cryptocurrency. Crypto yog qhov kev xaiv zoo tshaj plaws ntawm Gen Z thiab cov neeg teb ntau txhiab xyoo.
Yav dhau los xyoo no, Lub Tsev Haujlwm Saib Xyuas Kev Ua Haujlwm Hauv Tebchaws Meskas tau hais txog kev txhawj xeeb txog cov neeg Amelikas tab tom nrhiav kev nqis peev hauv bitcoin thiab lwm yam cryptocurrencies hauv lawv 401 (k) nyiaj. Thaum Lub Rau Hli, Tus Tuav Nyiaj Txiag Tus Tuav Nyiaj Txiag Janet Yellen tau hais tias cryptocurrency yog "muaj kev pheej hmoo heev," hais txog tias nws tsis tsim nyog rau feem ntau cov nyiaj khaws nyiaj superannuation.
Tab sis dhau li ntawm Lub Tsev Haujlwm Saib Xyuas Kev Ua Haujlwm tau ceeb toom, Fidelity Investments ntxiv bitcoin raws li 401 (k) txoj kev xaiv. Daim ntawv thov kom tso cai rau kev nqis peev crypto hauv 401 (k) cov phiaj xwm kuj tau nthuav tawm.
Meanwhile lub possibilities ntawm Crypto cov kev cai tseem ua lub luag haujlwm tseem ceeb thaum nws los xav txog nws yog ib qho cuab tam ntev. Qhov tsis paub meej nyob ib puag ncig lub sijhawm thiab daim ntawv ntawm cov kev cai ua rau cov tub ua lag luam thiab cov neeg siv crypto tsis ntseeg.
Ntau lub tebchaws thiab cov tub ceev xwm thoob ntiaj teb tau nthuav tawm lawv cov kev txhawj xeeb txog cov cuab tam crypto thiab thov kom coj cov cai tswj hwm cryptocurrencies. Thaum kev dag ntxias, tub sab nyiag digital thiab ntaub pua plag rub tawm zoo li cov xwm txheej ua lub luag haujlwm tseem ceeb hauv kev ua kom muaj peev xwm ntawm cov cai crypto.
Andrew yog tus tsim tawm blockchain uas tsim nws txoj kev txaus siab hauv cryptocurrencies thaum nws kawm tiav. Nws yog tus saib xyuas cov ntsiab lus thiab qhia nws txoj kev mob siab rau kev sau ntawv nrog rau kev ua tus tsim tawm. Nws qhov kev paub txog kev paub txog blockchain pab nws muab qhov kev pom tshwj xeeb rau nws kev sau ntawv
Tau qhov twg los: https://www.thecoinrepublic.com/2022/10/28/charles-schwab-reckons-crypto-as-top-retirement-savings/