Bold Moves, Big Questions

Every Friday, we scan the financial landscape to bring you five stories that matter, especially for those thinking about their retirement strategy.

This week, we’re looking at some bold bets and big structural shifts. From retirees going all-in on crypto, to booming annuity sales and Congress potentially unlocking access to private markets — there’s a lot to digest. We also revisit one of the most underrated phases in your financial life: the first year of retirement.

Let’s dive in.

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—The Money Pickle Team

Crypto’s a Risky Way To Boost Your Retirement

What happens when you lose your nest egg — and try to win it back with Bitcoin? That’s what one Australian project manager plans to do. He’s one of the older investors who are putting retirement savings into crypto, chasing risky gains late in the game. It’s a high-stakes gamble, and experts warn the volatility can be brutal.

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Target-Date Funds: A Quiet IRA Win

These “set-it-and-forget-it” funds are gaining popularity in IRAs, thanks to their built-in rebalancing and glide paths that shift risk as you age. While they’re not ideal for taxable accounts, target-date funds can be a smart fit inside a retirement wrapper. Just be sure to check fees, asset mix, and whether the strategy aligns with your long-term goals.

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Washington May Drop Private Investment Barriers

A big shift may be coming. Lawmakers will consider several bills that could expand access to private equity and credit funds in the next few years. One possible change would be to relax the definition of accredited investors. Other bills that open access to retirement accounts, including 401(k)s, could unlock billions for alternative assets.

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The First Year of Retirement Sets the Tone

According to retirement experts, your first 12 months out of the workforce can shape your entire financial and emotional trajectory. From spending habits to mental health, this transition period is when patterns are set. The advice? Don’t rush into big decisions, and build both a budget and a new routine that support your goals.

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Annuities Are Having a Moment

U.S. annuity sales hit a record $434 billion in 2024 — and momentum continues. With interest rates elevated and many Americans worried about outliving their savings, the predictable income of annuities is appealing. But they come with trade-offs, including complexity and limited liquidity. Education is key before signing on the dotted line.

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🥒 Pickle Tip:

Whether it’s crypto or a traditional income stream, risk isn’t one-size-fits-all. Start by understanding your goals — and how much volatility you can truly stomach.

🌟 Final Thought

From blockchain gambits to annuity guarantees, this week’s stories remind us: retirement isn’t just a destination — it’s a strategy. Curious what might work for you? A quick conversation with an advisor in the Money Pickle network could help you find the best-fit path forward.

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