HALVIORAHalviora Harga

On August 27, the National Institute on Retirement Security (NIRS) released a new survey indicating that 77% of Americans believe incorporating cryptocurrency into workplace retirement plans poses risks, with 46% considering the risk "very high." Additionally, 53% of respondents oppose employers offering cryptocurrency investment options. The survey reveals a growing concern among Americans regarding retirement security, with 80% of respondents stating that the U.S. is facing a "retirement crisis," a significant increase from 67% in 2020. Furthermore, 61% are worried about their financial security in retirement, 68% feel that saving for retirement is becoming increasingly difficult, and 77% report that debt is impacting their ability to save. Conducted by Greenwald Research from October 24 to November 14, 2025, the survey included 1,203 Americans aged 25 and older. Meanwhile, the U.S. government and regulatory agencies are pushing to expand the channels for including cryptocurrencies and other alternative assets in retirement accounts like 401(k)s. In March of this year, the Department of Labor proposed related rules that could provide a potential safe harbor for including alternative assets in 401(k) plans, but the initiative faced opposition from some Democratic lawmakers who argue that the volatility of crypto assets and insufficient investor protections are concerning. This indicates that while U.S. policy is gradually easing the channels for allocating retirement funds to crypto assets, ordinary investors remain cautious about the associated risks.

On August 27, the National Institute on Retirement Security (NIRS) released a survey indicating that 77% of Americans believe incorporating cryptocurrency into workplace retirement plans carries risks, with 46% considering the risk "very high". Additionally, 53% of respondents oppose employers offering cryptocurrency investment options. The survey reveals a growing concern among Americans regarding retirement security, with 80% of respondents believing the U.S. is facing a "retirement crisis", a significant increase from 67% in 2020. Furthermore, 61% are worried about their financial security in retirement, 68% feel that saving for retirement is becoming more difficult, and 77% report that debt is impacting their ability to save. Conducted by Greenwald Research from October 24 to November 14, 2025, the survey included 1,203 Americans aged 25 and older. Meanwhile, the U.S. government and regulatory agencies are pushing to expand the channels for including cryptocurrencies and other alternative assets in retirement accounts like 401(k)s. In March of this year, the Department of Labor proposed related rules to potentially provide a safe harbor for including alternative assets in 401(k) plans; however, this plan faced opposition from some Democratic lawmakers who argue that the volatility of crypto assets and insufficient investor protections pose significant risks. This indicates that while U.S. policy is gradually easing restrictions on the allocation of retirement funds to crypto assets, general investors remain cautious about the associated risks.

On August 27, Apple (AAPL.O) announced that it will hold its largest product launch event of the year at its Cupertino headquarters on September 9 at 10 AM Pacific Time (1 AM Beijing Time the next day). This will be the first major product launch led by CEO John Ternus since he took office. Apple is expected to unveil its first foldable iPhone, which will be approximately the size of a standard passport, with a screen size close to that of a small iPad when unfolded. This will mark the most significant design change for the iPhone in nearly 20 years. Apple also plans to release the iPhone 18 Pro and Pro Max, featuring faster chips, improved battery life, and significantly upgraded cameras, with at least the larger models equipped with a mechanical aperture. The second-generation iPhone Air and the standard iPhone 18 will be delayed until spring next year. A new Apple Watch may also be unveiled around the same time. Former CEO Tim Cook will continue to serve as executive chairman.