Donald Trump plans to sign an executive order allowing investment in crypto, gold, and private equity in 401(k) retirement plans, targeting a $9 trillion market.
Trump Wants to Integrate Bitcoin and Crypto into 401(k)
The American president is poised to sign an order that could reshape the retirement market in the United States forever. An announcement that has already propelled Bitcoin beyond $120,000.
A $9 Trillion Market in Sight
The 401(k) is the iconic retirement plan of the American middle class. A tax-advantageous system where employees invest a portion of their salary in stock or bond funds… until today.
Donald Trump is gearing up for a revolution: a presidential decree expected to officially expand the eligible asset classes to cryptocurrencies, gold, private equity, and even private loans or infrastructure. In other words, Uncle Sam could soon be betting on Bitcoin for retirement.
Bitcoin, XRP, and Wall Street Ignite
The announcement effect is immediate. Bitcoin once again surpasses $120,000 following the Financial Times scoop, driven by the prospect of a massive influx of capital into digital assets.
XRP, one of the big winners of recent votes in Congress, reaches a new all-time high, surpassing its 2018 record. Wall Street, on the other hand, is already starting to reposition its offerings around these new investment vehicles.
A Strong Signal for the Crypto Industry
Since his victory in 2024, Trump has never hidden his support for the sector. He blames the ‘too tough’ regulations of the Biden era for hindering innovation, and claims that cryptocurrencies helped him win the election.
He has been taking favorable measures: dropping lawsuits against certain platforms, openly supporting several bills passed by the House this week, and now integrating cryptos into retirement savings. His message is clear: crypto assets are now part of the American economic future.
An Opportunity for Private Equity Giants
Beyond Bitcoin, this decree could unleash hundreds of billions for giants in alternative asset management: Blackstone, Apollo, BlackRock, and Vanguard. These firms have long been eyeing the 401(k) treasure trove, which has long been confined to traditional funds.
With this decree, the White House even plans to implement a ‘safe harbor,’ a protective clause for managers who want to offer less liquid assets to their clients without risking lawsuits.
And for American Savers?
The opportunity is immense… but so are the risks. Higher fees, opaque valuations, less liquid assets: private equity is no child’s play. The question will be whether managers can balance returns, security, and transparency.
One thing is certain: if this decree is signed, it will be a historic step. Crypto will no longer be just a speculative asset. It will become an official component of Americans’ savings.
