Trump plans to sign an executive order: allowing $90 trillion 401(k) retirement accounts to invest in Bitcoin, gold, and other alternative assets.

U.S. President Donald Trump is preparing to sign a historic executive order that aims to allow $9 trillion of the 401(k) retirement market to allocate Bitcoin, gold, private equity, and other "alternative assets." This move will further promote the legal status of Crypto Assets in the U.S. financial system and provide ordinary investors with unprecedented asset diversification options.

Trump Plans to Reform Retirement Accounts: Open Investment Channels for Alternative Assets like Bitcoin According to a report by the Financial Times on July 17, Trump is about to sign an executive order requiring federal regulators to review and remove regulatory barriers that hinder 401(k) plans from investing in digital assets and other non-traditional assets. This new policy will allow pension plans to include a diverse range of asset classes, including Bitcoin, gold, private sale funds, infrastructure funds, and leveraged buyout tools.

This reform is seen as one of the most significant crypto assets promotion measures since Trump took office, and it symbolizes the formal entry of digital assets into the mainstream channel of the "national pension system."

Legal Compliance and Protection Mechanism: Providing "Safe Harbor" for Retirement Plan Managers In addition to expanding the scope of investments, this executive order will also provide a legal "safe harbor" for retirement account managers, reducing their legal liability when allocating to assets that have lower liquidity or higher volatility. This means that plan administrators can explore digital assets or private equity investments with less concern, in order to enhance the risk resistance and return potential of retirement investments.

Crypto Assets Strategy Continuation: Bitcoin Reserves, Legislative Promotion are Consistent This executive order continues the support policies for digital assets established by the Trump administration since early 2025. This includes the establishment of a "national strategic Bitcoin reserve," supporting the House of Representatives in passing the GENIUS Act and the CLARITY Act, as well as rescinding previous enforcement actions against companies holding digital assets.

In addition, the Trump family itself is heavily involved in the crypto market, not only launching their own stablecoin but also investing over $2 billion in crypto assets through Trump Media & Technology Group.

Opening up the private sale market: Blackstone, Apollo, and BlackRock benefit significantly This reform is not only friendly to Crypto Assets but also opens the door for private sale giants that have long tried to enter the 401(k) system. Institutions like BlackRock, Apollo, and Blackstone have always believed that even a small allocation from individual investors could bring in hundreds of billions of incremental capital to the private sale market.

Support and Controversy Coexist: Is it Diversified Allocation or a High-Risk Trap? Supporters believe that this policy will provide ordinary investors with greater inflation hedging capabilities and opportunities to access emerging industries such as blockchain infrastructure and digital finance. Critics, however, are concerned that these investment tools have low liquidity and high fees, which may increase the systemic risk of retirement investments, especially for individuals lacking financial knowledge.

Conclusion The executive order 401( that Trump is about to sign is expected to usher in a new era of retirement investment in the United States, injecting long-term and stable financial support into Bitcoin, Crypto Assets, and the private sale sector. Under the main trend of the U.S. policy moving towards "crypto-friendly," this move is not only a core part of structural financial reform but may also become a deep-seated driving force for the continued expansion of Bitcoin's market value.