{"id":14803,"date":"2025-08-07T15:00:58","date_gmt":"2025-08-07T13:00:58","guid":{"rendered":"https:\/\/wsj-crypto.com\/?p=14803"},"modified":"2025-08-07T15:00:58","modified_gmt":"2025-08-07T13:00:58","slug":"trumps-directive-could-open-the-door-for-cryptocurrency-in-401k-plans","status":"publish","type":"post","link":"https:\/\/wsj-crypto.com\/index.php\/2025\/08\/07\/trumps-directive-could-open-the-door-for-cryptocurrency-in-401k-plans\/","title":{"rendered":"Trump&#8217;s Directive Could Open the Door for Cryptocurrency in 401(k) Plans"},"content":{"rendered":"\n<div data-v-43e640e6=\"\">\n<p>US President Donald Trump is set to sign an executive order that may pave the way for cryptocurrencies to be incorporated into 401(k) retirement plans, potentially transforming how Americans allocate their savings.<\/p>\n<p>The White House Press Office confirmed to Cointelegraph on Thursday that the directive instructs the US Labor Department to reassess limitations surrounding alternative assets in defined-contribution plans, inclusive of digital currencies, private equity, and real estate.<\/p>\n<p>A senior official from the White House stated that the order directs the Secretary of Labor to clarify the department\u2019s position on alternative assets and to furnish guidance on fiduciary responsibilities for integrating these types of investments into retirement portfolios.<\/p>\n<p><template data-ct-widget=\"buzzsprout\" data-buzzsprout-podcast-id=\"2040516\" data-buzzsprout-episode-id=\"17597862\"\/><\/p>\n<h2>Trump will permit crypto access for $12.5 trillion 401(k) market<\/h2>\n<p>Once enacted, the order might provide Americans with access to digital assets via their 401(k) plans \u2014 a component of a $12.5 trillion retirement sector and an attractive opportunity for crypto companies aiming to connect with more retail investors.<\/p>\n<p>This initiative would mark a substantial advancement for the crypto sector, which has long pursued wider retail engagement and acknowledgment within the financial ecosystem.<\/p>\n<p>Though institutional investors have been boosting crypto allocations, everyday savers have encountered limitations due to fiduciary risks, regulatory ambiguities, and volatility concerns.<\/p>\n<p>The White House official indicated that Trump\u2019s directive would call for collaboration among various agencies, including the US Treasury and the Securities and Exchange Commission (SEC), to examine potential rule modifications that could facilitate the inclusion of alternative investments such as crypto in retirement products.<\/p>\n<p><em><strong>Related: <\/strong><\/em><a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/ark-invest-bitmine-coinbase-block-robinhood-holdings\" title=\"null\"><em><strong>ARK Invest invests $20M in BitMine, reduces holdings in Coinbase, Block, Robinhood<\/strong><\/em><\/a><\/p>\n<h2>Final authority rests with Trump on executive order<\/h2>\n<p>On July 18, the Financial Times referred to anonymous sources, reporting that the president is <a data-ct-non-breakable=\"null\" href=\"https:\/\/www.ft.com\/content\/07906211-5ab8-4917-bcad-5397c0bc3170\" rel=\"https:\/\/www.ft.com\/content\/07906211-5ab8-4917-bcad-5397c0bc3170\" target=\"https:\/\/www.ft.com\/content\/07906211-5ab8-4917-bcad-5397c0bc3170\" title=\"https:\/\/www.ft.com\/content\/07906211-5ab8-4917-bcad-5397c0bc3170\">considering<\/a> alternative investments like crypto assets for American 401(k) retirement schemes.<\/p>\n<p>In a prior statement to Cointelegraph, White House spokesman Kush Desai emphasized that nothing should be regarded as official <a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/donald-trump-executive-order-401k-crypto-investments\" title=\"null\">unless it comes directly from Trump<\/a>.<\/p>\n<p>Desai asserted that Trump is dedicated to restoring prosperity for everyday Americans and ensuring their economic future. \u201cNo decisions should be deemed official unless they originate from President Trump personally,\u201d Desai noted.<\/p>\n<p>During a Bloomberg discussion, US SEC Chair Paul Atkins stressed the importance of education regarding the risks involved with crypto as an investment.<\/p>\n<p>Atkins <a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/sec-chairman-education-401k-crypto-adoption\" title=\"null\">stated that disclosure is essential<\/a> and that individuals should be informed of what they are entering into. He added that he looks forward to the president&#8217;s actions.<\/p>\n<p>Earlier this year, the Labor Department <a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/news\/labor-department-rescinds-biden-guidance-crypto-401k-plans\" title=\"null\">rescinded a prior guidance<\/a> regarding crypto in 401(k) plans. On May 28, the Labor Department nullified a 2022 recommendation that advised fiduciaries to be \u201chighly cautious\u201d when considering crypto for 401(k) retirement plans.<\/p>\n<p><iframe title=\"From 1% to 40%: Ric Edelman Explains the Portfolio Shift to Crypto\" width=\"814\" height=\"458\" src=\"https:\/\/www.youtube.com\/embed\/gu3jr-ddtKE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p><em><strong>Magazine: <\/strong><\/em><a data-ct-non-breakable=\"null\" href=\"https:\/\/cointelegraph.com\/magazine\/china-us-crypto-policy-telegram-dark-markets-asia-express\/\" title=\"null\"><em><strong>China critiques US crypto policies, Telegram\u2019s emerging dark markets: Asia Express<\/strong><\/em><\/a><\/p>\n<p><template data-name=\"subscription_form\" data-type=\"markets_outlook\" data-ct-non-breakable=\"undefined\" label=\"Subscription Form: Markets Outlook\"\/><\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/cointelegraph.com\/news\/trump-crypto-401k-executive-order?utm_source=rss_feed&#038;utm_medium=rss&#038;utm_campaign=rss_partner_inbound\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>US President Donald Trump is set to sign an executive order that may pave the way for cryptocurrencies to be incorporated into 401(k) retirement plans, potentially transforming how Americans allocate their savings. The White House Press Office confirmed to Cointelegraph on Thursday that the directive instructs the US Labor Department to reassess limitations surrounding alternative<\/p>\n","protected":false},"author":3,"featured_media":14726,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[3235],"class_list":["post-14803","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bitcoin","tag-gptreturn-a-list-of-comma-separated-tags-from-this-title-trump-order-may-bring-crypto-access-to-401k-plans-gpt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Trump&#039;s Directive Could Open the Door for Cryptocurrency in 401(k) Plans - WSJ-Crypto<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wsj-crypto.com\/index.php\/2025\/08\/07\/trumps-directive-could-open-the-door-for-cryptocurrency-in-401k-plans\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Trump&#039;s Directive Could Open the Door for Cryptocurrency in 401(k) Plans - WSJ-Crypto\" \/>\n<meta property=\"og:description\" content=\"US President Donald Trump is set to sign an executive order that may pave the way for cryptocurrencies to be incorporated into 401(k) retirement plans, potentially transforming how Americans allocate their savings. 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