I am 45 years old and actively saving for retirement through crypto, but the latest news about the SEC and their new task force is frightening — suddenly they will introduce strict regulations and freeze everything or tax it in a new way. Should I transfer some of my funds to stablecoins now, or is it better to hold onto my Bitcoin/Ethereum and wait to see what happens in 2026?

Here is a recent article about what the SEC Crypto Task Force is discussing and how it could affect investors: https://www.randomnewsinfo.com/cryptocurrency/sec-crypto-task-force-debates-future-regulations/ . I have already reduced my altcoin holdings to 20%, and I'm keeping the rest in BTC and ETH, because the task force is only debating so far — no new laws have been passed yet, they are only talking about clearer rules for staking, DeFi and custody. For a pension portfolio, I recommend diversifying: 40% BTC, 30% ETH, 20% stablecoins (USDC with a reliable yield), 10% cash.