Trump $9T Crypto Order Could Let You Put Bitcoin in Your 401(k) Plan

A new executive order from Donald Trump could revolutionize the $9 trillion US retirement market by allowing Bitcoin in 401(k) accounts. Major asset managers are already preparing products for the upcoming regulatory shift.

For decades, most Americans have built their retirement nest eggs through traditional investments like 401(k) plans, stocks, bonds, and occasionally gold. But a major change could be on the horizon

US President Donald Trump is preparing to sign an executive order that could open the $9 trillion American retirement market to Bitcoin and other digital assets. The order’s goal is to grant 401(k) providers legal protection when offering cryptocurrency options, paving the way for mainstream adoption of Bitcoin in retirement portfolios.

The upcoming directive will instruct Washington regulators to explore the most effective path for enabling 401(k) plans to invest in cryptocurrencies, while identifying and removing remaining barriers. It will also push the US Department of Labor to update retirement account rules so they can include alternative assets like Bitcoin — currently off-limits in most plans that stick to mutual funds, stocks, bonds, and occasionally gold.

Employers and plan administrators are expected to gain greater flexibility in their investment menus, without fear of legal backlash for offering unconventional options. While it won’t mean immediate Bitcoin allocations in every 401(k), the move signals a regulatory opening that could transform long-term saving strategies.

The significance is clear: Bitcoin is now a trillion-dollar asset, often referred to as “digital gold.” Allowing it in 401(k) plans means millions of Americans could start dollar-cost averaging into BTC through their paychecks — without setting up separate exchange accounts.

This is not the first step toward such reform. In May, Trump’s Labor Department rolled back a Biden-era policy discouraging 401(k) crypto offerings, laying the groundwork for this executive action. If passed, the order might also include stablecoin investment options within retirement accounts.

For individuals looking to add Bitcoin to their retirement portfolio under this potential new framework, the process could include:

• Checking plan availability: Not every provider will add crypto instantly; updates from major players like Fidelity or Vanguard will be key.
• Reviewing offerings: Options may range from direct Bitcoin exposure to specialized ETFs or managed portfolios with a digital asset component.
• Choosing allocation: Crypto’s volatility suggests starting small, with research from VanEck recommending up to 6% for balanced portfolios and up to 20% for risk-tolerant investors.
• Opting in and monitoring: Allocation would work much like any other investment option.
• Leveraging potential tax benefits: If paired with crypto tax reform, certain contributions or small transactions could receive exemptions.

The executive order could also inspire state-level action. North Carolina lawmakers have already introduced bills allowing up to 5% of several state retirement funds to be invested in cryptocurrencies.

Big asset managers such as BlackRock, Blackstone, and Apollo have reportedly been preparing retirement-focused crypto products in anticipation of such policy shifts. Research from Bitget shows that up to 20% of Gen Z and Gen Alpha are open to receiving pensions in crypto.

Historically, a major roadblock has been fiduciary risk — the fear of lawsuits if crypto prices crashed. Trump’s order is expected to include a “legal safe harbor” clause to protect plan providers from liability when offering Bitcoin investments.

This potential policy could mark a defining moment in retirement planning, merging traditional financial security with the evolving world of digital assets.

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