{"id":11906,"date":"2025-08-11T05:42:25","date_gmt":"2025-08-11T05:42:25","guid":{"rendered":"https:\/\/cryptozen.asia\/vn\/sac-lenh-hanh-phap-mo-cua-cho-nha-dau-tu-401k-tham-gia-vao-tien-dien-tu\/"},"modified":"2025-08-11T05:42:25","modified_gmt":"2025-08-11T05:42:25","slug":"sac-lenh-hanh-phap-mo-cua-cho-nha-dau-tu-401k-tham-gia-vao-tien-dien-tu","status":"publish","type":"post","link":"https:\/\/cryptozen.asia\/vn\/sac-lenh-hanh-phap-mo-cua-cho-nha-dau-tu-401k-tham-gia-vao-tien-dien-tu\/","title":{"rendered":"S\u1eafc l\u1ec7nh h\u00e0nh ph\u00e1p m\u1edf c\u1eeda cho nh\u00e0 \u0111\u1ea7u t\u01b0 401(k) tham gia v\u00e0o ti\u1ec1n \u0111i\u1ec7n t\u1eed"},"content":{"rendered":"

D\u00e2n ch\u1ee7 h\u00f3a quy\u1ec1n truy c\u1eadp v\u00e0o t\u00e0i s\u1ea3n thay th\u1ebf cho nh\u00e0 \u0111\u1ea7u t\u01b0 401(k)<\/h2>\n

V\u00e0o ng\u00e0y 7 th\u00e1ng 8 n\u0103m 2025, Nh\u00e0 Tr\u1eafng \u0111\u00e3 ban h\u00e0nh m\u1ed9t s\u1eafc l\u1ec7nh h\u00e0nh ph\u00e1p \u0111\u01b0\u1ee3c mong \u0111\u1ee3i t\u1eeb l\u00e2u mang t\u00ean “D\u00e2n ch\u1ee7 h\u00f3a quy\u1ec1n truy c\u1eadp v\u00e0o t\u00e0i s\u1ea3n thay th\u1ebf cho nh\u00e0 \u0111\u1ea7u t\u01b0 401(k).”<\/strong> L\u1ea7n \u0111\u1ea7u ti\u00ean, nh\u1eefng ng\u01b0\u1eddi ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed t\u1ea1i M\u1ef9 s\u1ebd \u0111\u01b0\u1ee3c ph\u00e9p ph\u00e2n b\u1ed5 m\u1ed9t ph\u1ea7n t\u00e0i kho\u1ea3n 401(k) c\u1ee7a h\u1ecd v\u00e0o m\u1ed9t s\u1ed1 kho\u1ea3n \u0111\u1ea7u t\u01b0 thay th\u1ebf nh\u1ea5t \u0111\u1ecbnh\u2014bao g\u1ed3m v\u1ed1n t\u01b0 nh\u00e2n<\/strong>, b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/strong> v\u00e0 t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1<\/strong> nh\u01b0 ti\u1ec1n \u0111i\u1ec7n t\u1eed.<\/p>\n

S\u1ef1 thay \u0111\u1ed5i n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 nh\u1ecf. B\u1eb1ng c\u00e1ch cho ph\u00e9p nh\u1eefng s\u1ea3n ph\u1ea9m n\u00e0y v\u00e0o c\u00e1c k\u1ebf ho\u1ea1ch h\u01b0u tr\u00ed \u0111\u00f3ng g\u00f3p x\u00e1c \u0111\u1ecbnh, ch\u00ednh ph\u1ee7 li\u00ean bang \u0111\u00e3 m\u1edf ra m\u1ed9t c\u00e1nh c\u1eeda m\u1edbi cho h\u01a1n 90 tri\u1ec7u ng\u01b0\u1eddi M\u1ef9<\/strong> c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn ti\u1ec1n \u0111i\u1ec7n t\u1eed th\u00f4ng qua ti\u1ebft ki\u1ec7m do nh\u00e0 tuy\u1ec3n d\u1ee5ng t\u00e0i tr\u1ee3. Cho \u0111\u1ebfn nay, h\u1ea7u h\u1ebft c\u00e1c k\u1ebf ho\u1ea1ch 401(k) \u0111\u00e3 b\u1ecb gi\u1edbi h\u1ea1n v\u00e0o c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 truy\u1ec1n th\u1ed1ng nh\u01b0 c\u1ed5 phi\u1ebfu giao d\u1ecbch c\u00f4ng khai<\/strong>, tr\u00e1i phi\u1ebfu<\/strong> v\u00e0 qu\u1ef9 t\u01b0\u01a1ng h\u1ed7<\/strong>. M\u1eb7c d\u00f9 nh\u1eefng kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y v\u1eabn l\u00e0 th\u00e0nh ph\u1ea7n c\u1ed1t l\u00f5i c\u1ee7a danh m\u1ee5c \u0111\u1ea7u t\u01b0, ch\u00ednh s\u00e1ch m\u1edbi ph\u1ea3n \u00e1nh s\u1ef1 c\u00f4ng nh\u1eadn r\u1eb1ng t\u00e0i s\u1ea3n thay th\u1ebf\u2014tr\u01b0\u1edbc \u0111\u00e2y ch\u1ee7 y\u1ebfu ch\u1ec9 c\u00f3 s\u1eb5n cho c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1 nh\u00e2n c\u00f3 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n cao\u2014c\u00f3 th\u1ec3 cung c\u1ea5p s\u1ef1 \u0111a d\u1ea1ng h\u00f3a<\/strong> v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng<\/strong> cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 h\u00e0ng ng\u00e0y.<\/p>\n

Vi\u1ec7c m\u1edf c\u1eeda th\u1ecb tr\u01b0\u1eddng 401(k) g\u1ea7n 9 ngh\u00ecn t\u1ef7 \u0111\u00f4 la<\/strong> cho ti\u1ec1n \u0111i\u1ec7n t\u1eed c\u00f3 th\u1ec3 ch\u1ee9ng minh l\u00e0 m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t, c\u1ea3 cho c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u00e0 cho n\u1ec1n kinh t\u1ebf blockchain r\u1ed9ng l\u1edbn h\u01a1n. S\u1eafc l\u1ec7nh c\u0169ng ch\u1ec9 \u0111\u1ea1o B\u1ed9 Lao \u0111\u1ed9ng, B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 SEC ph\u00e1t tri\u1ec3n h\u01b0\u1edbng d\u1eabn r\u00f5 r\u00e0ng \u0111\u1ec3 c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 k\u1ebf ho\u1ea1ch c\u00f3 th\u1ec3 t\u1ef1 tin cung c\u1ea5p nh\u1eefng s\u1ea3n ph\u1ea9m n\u00e0y trong khi th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 fiduciar<\/strong> c\u1ee7a h\u1ecd.<\/p>\n

C\u00e1c b\u01b0\u1edbc quy \u0111\u1ecbnh c\u1ee5 th\u1ec3<\/h2>\n

S\u1eafc l\u1ec7nh h\u00e0nh ph\u00e1p \u0111\u01b0a ra m\u1ed9t lo\u1ea1t c\u00e1c b\u01b0\u1edbc quy \u0111\u1ecbnh c\u1ee5 th\u1ec3, h\u1ea7u h\u1ebft trong s\u1ed1 \u0111\u00f3 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n trong v\u00f2ng 180 ng\u00e0y<\/strong>:<\/p>\n

    \n
  1. Xem x\u00e9t l\u1ea1i H\u01b0\u1edbng d\u1eabn ERISA<\/strong>: B\u1ed9 tr\u01b0\u1edfng Lao \u0111\u1ed9ng ph\u1ea3i xem x\u00e9t h\u01b0\u1edbng d\u1eabn tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 hi\u1ec7n t\u1ea1i c\u1ee7a B\u1ed9 Lao \u0111\u1ed9ng (DOL) v\u1ec1 ngh\u0129a v\u1ee5 fiduciar theo \u0110\u1ea1o lu\u1eadt B\u1ea3o v\u1ec7 Thu nh\u1eadp H\u01b0u tr\u00ed c\u1ee7a Nh\u00e2n vi\u00ean n\u0103m 1974 (ERISA) li\u00ean quan \u0111\u1ebfn qu\u1ef9 ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n bao g\u1ed3m t\u00e0i s\u1ea3n thay th\u1ebf. Vi\u1ec7c xem x\u00e9t n\u00e0y s\u1ebd xem x\u00e9t li\u1ec7u c\u00f3 n\u00ean h\u1ee7y b\u1ecf Tuy\u00ean b\u1ed1 V\u1ed1n T\u01b0 nh\u00e2n B\u1ed5 sung c\u1ee7a DOL ng\u00e0y 21 th\u00e1ng 12 n\u0103m 2021, \u0111\u00e3 \u00e1p \u0111\u1eb7t c\u00e1c gi\u1edbi h\u1ea1n th\u1eadn tr\u1ecdng \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 nh\u01b0 v\u1eady hay kh\u00f4ng.<\/li>\n
  2. L\u00e0m r\u00f5 Ti\u00eau chu\u1ea9n Fiduciar<\/strong>: B\u1ed9 tr\u01b0\u1edfng c\u00f3 nhi\u1ec7m v\u1ee5 l\u00e0m r\u00f5 l\u1eadp tr\u01b0\u1eddng c\u1ee7a DOL v\u1ec1 t\u00e0i s\u1ea3n thay th\u1ebf v\u00e0 quy tr\u00ecnh fiduciar th\u00edch h\u1ee3p \u0111\u1ec3 cung c\u1ea5p ch\u00fang theo ERISA.<\/li>\n
  3. Ph\u1ed1i h\u1ee3p li\u00ean c\u01a1 quan v\u00e0 S\u1ef1 tham gia c\u1ee7a SEC<\/strong>: DOL s\u1ebd tham v\u1ea5n v\u1edbi B\u1ed9 T\u00e0i ch\u00ednh, SEC v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd kh\u00e1c \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00e1c quy t\u1eafc nh\u1ea5t qu\u00e1n v\u00e0 kh\u00e1m ph\u00e1 c\u00e1c thay \u0111\u1ed5i quy \u0111\u1ecbnh song song.<\/li>\n<\/ol>\n

    SEC, l\u00e0m vi\u1ec7c v\u1edbi DOL, s\u1ebd xem x\u00e9t c\u00e1c c\u00e1ch m\u1edf r\u1ed9ng quy\u1ec1n truy c\u1eadp v\u00e0o t\u00e0i s\u1ea3n thay th\u1ebf trong c\u00e1c k\u1ebf ho\u1ea1ch h\u01b0u tr\u00ed do ng\u01b0\u1eddi tham gia ch\u1ec9 \u0111\u1ea1o. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c xem x\u00e9t l\u1ea1i \u0111\u1ecbnh ngh\u0129a nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n<\/strong> v\u00e0 ng\u01b0\u1eddi mua \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n<\/strong>, c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng tham gia v\u00e0o c\u00e1c \u0111\u1ee3t ph\u00e1t h\u00e0nh t\u00e0i s\u1ea3n t\u01b0 nh\u00e2n v\u00e0 k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n

    T\u1eeb g\u00f3c \u0111\u1ed9 ph\u00e1p l\u00fd, vi\u1ec7c \u0111\u01b0a t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0o c\u00e1c k\u1ebf ho\u1ea1ch h\u01b0u tr\u00ed \u0111\u1ea1i di\u1ec7n cho m\u1ed9t b\u01b0\u1edbc ti\u1ebfn l\u1edbn h\u01b0\u1edbng t\u1edbi vi\u1ec7c ch\u00ednh th\u1ed1ng h\u00f3a ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/strong> trong c\u00e1c t\u1ed5 ch\u1ee9c. V\u1edbi c\u00e1c khung fiduciar r\u00f5 r\u00e0ng h\u01a1n, c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 k\u1ebf ho\u1ea1ch s\u1ebd c\u00f3 s\u1ef1 ch\u1eafc ch\u1eafn trong vi\u1ec7c cung c\u1ea5p ti\u1ebfp x\u00fac v\u1edbi t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 m\u00e0 kh\u00f4ng lo ng\u1ea1i v\u1ec1 r\u1ee7i ro th\u1ef1c thi.<\/p>\n

    Tr\u00e1ch nhi\u1ec7m fiduciar v\u00e0 c\u01a1 h\u1ed9i m\u1edbi<\/h2>\n

    M\u1eb7c d\u00f9 ch\u00ednh s\u00e1ch m\u1edf ra c\u00e1nh c\u1eeda cho nh\u1eefng kh\u1ea3 n\u0103ng th\u00fa v\u1ecb, n\u00f3 c\u0169ng \u0111i k\u00e8m v\u1edbi tr\u00e1ch nhi\u1ec7m fiduciar cao h\u01a1n<\/strong>. T\u00e0i s\u1ea3n thay th\u1ebf, v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed, c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn s\u1ef1 bi\u1ebfn \u0111\u1ed9ng cao h\u01a1n<\/strong>, thanh kho\u1ea3n th\u1ea5p h\u01a1n<\/strong> v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 \u0111\u1ecbnh gi\u00e1 ph\u1ee9c t\u1ea1p. C\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 k\u1ebf ho\u1ea1ch s\u1ebd c\u1ea7n \u00e1p d\u1ee5ng quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh nghi\u00eam ng\u1eb7t, th\u1ef1c hi\u1ec7n gi\u1edbi h\u1ea1n ph\u00e2n b\u1ed5 v\u00e0 cung c\u1ea5p th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7 cho ng\u01b0\u1eddi tham gia.<\/p>\n

    Vi\u1ec7c c\u00e2n b\u1eb1ng n\u00e0y s\u1ebd r\u1ea5t quan tr\u1ecdng: cho ph\u00e9p \u0111\u1ed5i m\u1edbi trong khi b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 ERISA. T\u1ea1i Kelman PLLC<\/strong>, ch\u00fang t\u00f4i coi s\u1eafc l\u1ec7nh h\u00e0nh ph\u00e1p n\u00e0y l\u00e0 m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t trong c\u1ea3 \u0111\u1ea7u t\u01b0 h\u01b0u tr\u00ed v\u00e0 quy \u0111\u1ecbnh t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 t\u00e0i tr\u1ee3 k\u1ebf ho\u1ea1ch, c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p fintech, b\u00e2y gi\u1edd l\u00e0 th\u1eddi \u0111i\u1ec3m \u0111\u1ec3 chu\u1ea9n b\u1ecb.<\/p>\n

    \u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, thi\u1ebft k\u1ebf c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c cho ng\u01b0\u1eddi tham gia v\u00e0 theo k\u1ecbp c\u00e1c h\u01b0\u1edbng d\u1eabn quy \u0111\u1ecbnh \u0111ang ph\u00e1t tri\u1ec3n. V\u1edbi 90 tri\u1ec7u ng\u01b0\u1eddi M\u1ef9<\/strong> hi\u1ec7n c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ti\u1ec1n \u0111i\u1ec7n t\u1eed th\u00f4ng qua t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u1ee7a h\u1ecd, giao \u0111i\u1ec3m gi\u1eefa t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n v\u1eeba tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng bi\u00ean gi\u1edbi quan tr\u1ecdng nh\u1ea5t<\/strong> trong lu\u1eadt t\u00e0i ch\u00ednh.<\/p>\n

    Kelman PLLC<\/strong> ti\u1ebfp t\u1ee5c theo d\u00f5i c\u00e1c ph\u00e1t tri\u1ec3n trong quy \u0111\u1ecbnh ti\u1ec1n \u0111i\u1ec7n t\u1eed tr\u00ean kh\u1eafp c\u00e1c khu v\u1ef1c ph\u00e1p l\u00fd v\u00e0 s\u1eb5n s\u00e0ng t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng \u0111i\u1ec1u h\u01b0\u1edbng nh\u1eefng b\u1ed1i c\u1ea3nh ph\u00e1p l\u00fd \u0111ang ph\u00e1t tri\u1ec3n n\u00e0y. \u0110\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin ho\u1eb7c \u0111\u1ec3 l\u00ean l\u1ecbch t\u01b0 v\u1ea5n, vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i. B\u00e0i vi\u1ebft n\u00e0y ban \u0111\u1ea7u xu\u1ea5t hi\u1ec7n t\u1ea1i Kelman.law<\/em>.<\/p>\n","protected":false},"excerpt":{"rendered":"

    D\u00e2n ch\u1ee7 h\u00f3a quy\u1ec1n truy c\u1eadp v\u00e0o t\u00e0i s\u1ea3n thay th\u1ebf cho nh\u00e0 \u0111\u1ea7u t\u01b0 401(k) V\u00e0o ng\u00e0y 7 th\u00e1ng 8 n\u0103m 2025, Nh\u00e0 Tr\u1eafng \u0111\u00e3 ban h\u00e0nh m\u1ed9t s\u1eafc l\u1ec7nh h\u00e0nh ph\u00e1p \u0111\u01b0\u1ee3c mong \u0111\u1ee3i t\u1eeb l\u00e2u mang t\u00ean “D\u00e2n ch\u1ee7 h\u00f3a quy\u1ec1n truy c\u1eadp v\u00e0o t\u00e0i s\u1ea3n …<\/p>\n","protected":false},"author":3,"featured_media":11905,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,48],"tags":[4225,9721,4217,4348,9545,4204,5106],"class_list":["post-11906","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bitcoin","category-legal","tag-bitcoin","tag-department-of-labor","tag-legal","tag-sec","tag-treasury","tag-usa","tag-white-house"],"yoast_head":"\nS\u1eafc l\u1ec7nh h\u00e0nh ph\u00e1p m\u1edf 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