Retirement Planning

Definition ∞ Retirement planning involves the strategic process of setting financial goals and allocating assets to ensure sufficient funds for one’s post-employment years. This includes assessing current financial status, estimating future expenses, and selecting appropriate investment vehicles. In the context of digital assets, it refers to the consideration and integration of cryptocurrencies or blockchain-based investments into a long-term retirement portfolio. It requires careful risk assessment and understanding of regulatory implications.
Context ∞ News articles increasingly discuss the role of digital assets in retirement planning, particularly as new investment products like spot Bitcoin ETFs become available. Debates often center on the volatility and regulatory uncertainty of cryptocurrencies versus their potential for long-term growth. Financial advisors and policymakers are evaluating how digital assets fit into traditional retirement accounts and the necessary safeguards for investors.