Delaware Life, a prominent provider of fixed and variable annuities, has announced the integration of an investment option granting exposure to Bitcoin into several of its retirement annuity portfolios. This landmark decision marks a significant step in the mainstream adoption of digital assets within conservative, tax-advantaged retirement planning vehicles. The new option allows policyholders to allocate a portion of their annuity capital toward an investment strategy that tracks Bitcoin’s performance, typically utilizing regulated instruments such as Bitcoin exchange-traded funds (ETFs) or futures-backed funds to maintain regulatory compliance.
The inclusion reflects increasing demand from retirement savers for exposure to assets offering high growth potential and hedging capabilities against fiat inflation, attributes often associated with cryptocurrency. While the availability signals institutional acceptance, Delaware Life is expected to impose stringent allocation limits, generally capping the Bitcoin exposure at a low percentage (e.g., 1%-5%) of the total portfolio to safeguard the inherent stability requirements of retirement annuities and manage the significant volatility associated with digital assets. This move positions Delaware Life at the forefront of insurance companies incorporating digital asset investment options into their long-term wealth management products.
Source: Bitcoin enters Delaware Life’s retirement annuity portfolio
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