Key Takeaways

A small 401(k) allocation could inject hundreds of billions into digital assets.

Critics warn of higher fees and volatility, while supporters see diversification.

The White House sent shock waves through the retirement industry on August 7 when President Donald Trump signed an executive order instructing regulators to let 401(k) plans own alternative assets — such as crypto and property. Several government departments have been directed to revise long-standing fiduciary guidance that has kept most plans restricted to stocks, bonds and cash. If the rules change as written, every plan sponsor in America will be able to add a crypto sleeve beside the S&P 500 index fund.

I view the order as a watershed. 401(k) plans hold roughly $8.9 trillion in assets , according to the

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