- Trump supports adding crypto and real estate to 401(k) plans.
- Labor Department to review ERISA retirement rules.
- SEC and Treasury to consider regulatory updates.
Former President Donald Trump is set to sign an executive order that could significantly impact how Americans save for retirement. As reported by Bloomberg, the order would allow 401(k) retirement plans to include cryptocurrencies, real estate, and private equity—assets traditionally excluded from these accounts.
This move aims to give Americans more control over their retirement investments, aligning with growing demand for more diverse financial strategies.
ERISA Guidelines Under Review
The executive order directs the Department of Labor (DOL) to revisit its guidance under the Employee Retirement Income Security Act (ERISA). These long-standing rules set strict limitations on what types of investments are permitted in employer-sponsored retirement plans.
A revised interpretation could open the door for crypto-based and real estate-backed products in 401(k) offerings—potentially making Bitcoin , Ethereum , and property part of the average American’s retirement strategy.
SEC and Treasury to Weigh Regulatory Changes
In addition to the DOL, the executive order involves collaboration with the Securities and Exchange Commission (SEC) and the U.S. Treasury. These agencies will explore whether existing financial regulations need updates to accommodate these new investment options.
While implementation may take time, the direction is clear: Trump wants to modernize how Americans build their retirement wealth—by including crypto and real estate in 401(k) retirement plans.
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