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17h ago

Trump Set to Allow Crypto, Private Equity and Gold in 401(k) Plans

His order tasks the Labor Department and SEC with developing guidance to include volatile investments with low liquidity in employer-sponsored retirement savings.

U.S. President Donald Trump walks into the White House on July 13, 2025 in Washington, DC.
U.S. President Donald Trump answers questions while departing the White House on July 11, 2025 in Washington, DC.
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Overview

  • President Trump is poised to sign an executive order extending 401(k) menus to cryptocurrencies, private equity, gold and infrastructure funds.
  • The directive instructs the Department of Labor and Securities and Exchange Commission to draft specific rules for employers to offer these non-traditional assets.
  • Asset managers BlackRock, Apollo and Blackstone are forming alliances with 401(k) providers such as Vanguard and Empower to prepare for new investment flows.
  • Financial experts warn that adding illiquid, volatile assets and higher-fee private investments could expose retirement savers to substantial risks.
  • Key details on eligibility, disclosure requirements and fiduciary safeguards remain under review by regulatory agencies.