{"id":85661,"date":"2025-08-08T02:17:00","date_gmt":"2025-08-08T06:17:00","guid":{"rendered":"https:\/\/www.businessupturn.com\/usa\/?p=85661"},"modified":"2025-08-08T02:17:00","modified_gmt":"2025-08-08T06:17:00","slug":"donald-trump-opens-door-for-bitcoin-crypto-and-alternative-assets-in-401k-plans","status":"publish","type":"post","link":"https:\/\/www.businessupturn.com\/usa\/donald-trump-opens-door-for-bitcoin-crypto-and-alternative-assets-in-401k-plans\/85661\/","title":{"rendered":"Donald Trump opens door for Bitcoin, crypto and alternative assets in 401(k) plans"},"content":{"rendered":"

Donald Trump<\/a> has signed a new executive order that could change how Americans invest their retirement savings. The order would let fund managers include cryptocurrency, private equity, real estate, and other \u201calternative assets\u201d in 401(k) accounts, opening the $12 trillion defined contribution retirement market to investments beyond the usual stocks, bonds, and cash.<\/p>\n

The move is being celebrated by big asset managers, who could gain access to a massive pool of money. BlackRock, the world\u2019s largest asset manager, has already announced plans for a retirement fund that would include private equity and private credit. Critics, however, warn that the change could inject too much risk into retirement savings, particularly with volatile and fraud-prone crypto markets.<\/p>\n

Donald Trump has shifted from calling Bitcoin \u201ca scam\u201d to embracing digital currencies. He\u2019s launched his own crypto venture, courted industry leaders, and pledged to make the U.S. the \u201ccrypto capital of the world.\u201d In the executive order, he argued that \u201cregulatory overreach\u201d and \u201copportunistic trial lawyers\u201d have stifled innovation, and promised to remove barriers that he says prevent workers from securing \u201ccompetitive returns\u201d and \u201casset diversification.\u201d<\/p>\n

The order directs the Labor Department to work with the Treasury, SEC, and other regulators to coordinate possible rule changes. But private equity executives say the rollout will take time, and lawsuits from investors who lose money are inevitable.<\/p>\n

Analysts warn that alternative assets often come with higher fees, weaker disclosure requirements, and less liquidity, meaning they can be harder to sell quickly. Crypto is especially volatile, and its inclusion in retirement accounts could expose savers to steep losses.<\/p>\n

Proponents counter that younger investors, who have decades before retirement, could benefit from higher-return opportunities early on, with funds gradually shifting toward safer assets over time.<\/p>\n

Alongside the retirement order, Trump also signed a separate measure targeting the alleged \u201cdebanking\u201d of conservatives, echoing complaints from some Silicon Valley investors that banks have cut off services for political reasons.<\/p>\n

Democratic Senator Elizabeth Warren has already raised concerns, pressing asset managers on how they plan to protect investors from high-risk, opaque products. While some in the industry see Donald Trump\u2019s move as a long-term win, even BlackRock\u2019s CEO, Larry Fink, admitted that the benefits might not be immediate, given the \u201clitigation risk\u201d and complexity of adding these investments to 401(k) plans.<\/p>\n","protected":false},"excerpt":{"rendered":"

Donald Trump has signed a new executive order that could change how Americans invest their retirement savings. The order would\u2026<\/p>\n","protected":false},"author":294,"featured_media":85662,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[76,1],"tags":[31430,3925,3927,168],"class_list":["post-85661","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency","category-news","tag-401k","tag-bitcoin","tag-crypto","tag-donald-trump"],"reading_time":"2 min read","_links":{"self":[{"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/posts\/85661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/users\/294"}],"replies":[{"embeddable":true,"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/comments?post=85661"}],"version-history":[{"count":0,"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/posts\/85661\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/media\/85662"}],"wp:attachment":[{"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/media?parent=85661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/categories?post=85661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.businessupturn.com\/usa\/wp-json\/wp\/v2\/tags?post=85661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}