US EditionMacroscope | Trump’s Retirement Fund Reforms: Plenty of Risk, Unclear Rewards
The order directs regulators to create frameworks for crypto and private equity in 401(k)s, aiming to diversify investment options for roughly 35% of American adults, experts say.
- Last week, President Donald Trump signed an executive order opening 401s to alternative assets like crypto, private equity, and real estate, with the Department of Labor and SEC tasked to develop a regulatory framework.
- Historically, 401 plans have limited options as public companies declined and private capital markets expanded, widening the investment access gap.
- The order instructs the Securities and Exchange Commission, Labor Department, and Treasury Department to rewrite rules within 180 days for broader asset access, affecting broker-dealers, investment advisors, and asset managers.
- The move could give Wall Street a path to tap into a portion of the $12.2 trillion in U.S. retirement savings, critics warn it will shift far more risk to workers.
- The coming months will be crucial in determining how widely 401 plans adopt alternative assets like cryptocurrencies and private equity, shaping future diversification trends.
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Trump's 401(k) Gamble Puts Black Retirement Security at Risk
President Donald Trump's push to open 401(k) retirement plans to high-risk assets could shift more risk to workers, particularly those without substantial wealth or investment experience, and critics warn it could lead to financial loss and economic and social consequences. The post Trump’s 401(k) Gamble Puts Black Retirement Security at Risk appeared first on The Washington Informer.
Trump signs order allowing alternative assets like cryptocurrencies, private equity in 401(k)s - Los Angeles Weekly Times
U.S. President Donald Trump waves from the roof of the West Wing of the White House as he takes a tour on August 05, 2025 in Washington, DC. Win Mcnamee | Getty Images News | Getty Images President Donald Trump signed Thursday an executive order that lays the groundwork to add alternative assets such as private equity, cryptocurrencies and real estate into 401(k)s. The executive order directs the U.S. Secretary of Labor to review fiduciary guid…
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