President Trump is reportedly ready to crack open the $9 trillion retirement market via 401 (k) retirement plans.
A new executive order in the works would instruct federal agencies to tear down barriers preventing 401(k) managers from allocating funds into alternative assets like crypto, gold, and private equity, according to the Financial Times.
The order would instruct regulators to dismantle roadblocks that keep these assets out of retirement plans. Here’s what it means for you:
Trump’s 401(k) Retirement Market Revolution
The move escalates Trump’s rollback of Biden-era restrictions on retirement investing. The Labor Department’s previous stance has already been tossed, and what comes next is a more aggressive mainstreaming of alternatives like Bitcoin and private equity into the 401(k) ecosystem.
“Trump’s campaign promise to ‘free crypto’ is taking shape as actual policy.” – Financial Times
Wall Street titans have been circling the wagons here since 2020. BlackRock, Apollo, and Blackstone are already striking deals with retirement giants like Empower and Vanguard, positioning themselves for what could be the largest capital migration in modern financial history.
JUST IN: 🇺🇸 Trump executive order to allow Americans to invest 401K retirement savings into Bitcoin and crypto.
AMERICANS HOLD $9 TRILLION IN 401K SAVINGS pic.twitter.com/2KbbBlglLo
— Bitcoin Archive (@BTC_Archive) July 17, 2025
Markets reacted swiftly with
Bitcoin
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$64,231.88
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surging past $120,000 following the Financial Times report.
If retirement accounts gain legal exposure to crypto assets, it could mark one of the largest influxes of institutional capital into the space yet.
Legislative Backing Builds as House Passes Key Crypto Bills
The executive order comes on the heels of legislative momentum in the House. On July 17, lawmakers passed a trio of major crypto bills:
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The CLARITY Act, which provides regulatory guidelines on whether tokens are securities or commodities.
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The GENIUS Act, a Senate-approved stablecoin bill that awaits Trump’s signature.
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The Anti-CBDC Act, which blocks the Federal Reserve from launching a digital dollar without Congressional approval.
With regulatory clarity growing and political tailwinds shifting in crypto’s favor, Trump’s retirement reform could mark a pivotal moment for Bitcoin and millions of Americans.
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Key Takeaways
- President Trump is reportedly ready to crack open the $9 trillion retirement market via 401 (k) retirement plans.
- All eyes are on Powell this month as inflation lingers and labor metrics soften.
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