A Shift in Retirement Investing
On August 7, 2025, President Donald Trump signed an executive order to allow alternative assets—including cryptocurrency, private equity, real estate, and gold—into U.S. 401(k) retirement plans and other defined-contribution accounts. This directive asks the Department of Labor and the SEC to revisit existing fiduciary rules to facilitate these changes.
Market Reaction in Real Time
Markets responded swiftly: Bitcoin rose nearly 2% to over $117,300, and Ethereum surged over 5% past $3,870. Stocks tied to crypto, such as Coinbase and Bitcoin ETFs, also saw noticeable gains.
What Executives and Experts Are Saying
- Matt Hougan, CIO of Bitwise, predicts that crypto allocations from retirement plans could introduce a “slow, steady, consistent bid,” potentially lowering volatility for the market.Wikipedia+15Investors+15CoinCentral+15
- Joshua Krüger of the dEURO Association sees Bitcoin as the likely early beneficiary, given its strong institutional acceptance. Major asset managers like BlackRock and Fidelity are reportedly preparing to launch compliant retirement products.Investors
- At the same time, critics warn investors about crypto’s volatility, illiquidity, and potential complexity in retirement accounts like 401(k)s.
What’s Changing—and What’s Next
The ruling does not immediately authorize new crypto investment options—it initiates a regulatory review process. Employers and plan providers still need time (estimated up to 15 months) to build compliant crypto-backed funds into retirement offerings
Why It Matters for Bitcoin
With over $8.7–$9 trillion in U.S. retirement assets potentially eligible for crypto, Bitcoin stands to gain as a trusted digital asset. This move marks a major step toward mainstream adoption and legitimization of crypto in long-term investment vehicles.
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