Trump wants to expand retirement investment options to include crypto, gold, private equity, and other non-traditional assets.
U.S. President Donald Trump has directed regulators to make it easier for Americans to invest retirement savings—like 401(k)s—into cryptocurrencies, gold, property, and private equity.
The order, issued Thursday, instructs the Department of Labor to review existing rules within 180 days that discourage employers from offering these options in workplace retirement plans.
The goal:
1. Open access to investments once reserved for the wealthy
2. Unlock new capital streams for firms in crypto and alternative finance
Critics warn that such assets carry higher risks, less transparency, and limited liquidity, potentially exposing everyday savers to greater losses.
Trump’s order follows a May decision by the Labor Department to rescind 2022 guidance urging caution on crypto in retirement accounts. During his first term, Trump also backed private equity in 401(k)s, a move later reversed by Biden.
Some big players like Vanguard and State Street are already partnering with Apollo and Blackstone to build retirement funds around private equity.
Though changes won’t take effect immediately, this move could reshape how Americans build retirement wealth, making crypto and alternative assets more mainstream in the long run.
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