Trump's Crypto Windfall Meets 401(k) Expansion: Will Retirement Plans Become The Next Frontier For Digital Assets?

Benzinga04-01

The Department of Labor (DOL) has issued a proposed regulation that would allow retirement plans to include investments in alternative assets, specifically cryptocurrencies and private markets.The ...

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Under the guidance, fiduciaries must carefully weigh six key factors when selecting alternative investments: performance, fees, liquidity, valuation, benchmarks, and complexity.The rule will undergo additional review, including a 60-day period for public comment, before it can be finalized.U.S. Secretary of the Treasury Scott Bessent commented that the proposed rule is \"an initial step\" in implementing the Trump’s Executive Order in \"a safe and smart manner.\"Last Wednesday, the Labor Department lifted restrictions that had previously discouraged the inclusion of cryptocurrencies in 401(k) retirement plans.Trump’s Ballooning Crypto FortuneThe Labor Department under former President Joe Biden had warned about \"significant risks\" of adding cryptocurrency investment options to retirement plans, citing the speculative and volatile nature of the asset class.But since then, the DOL’s Employee Benefits Security Administration rescinded that Biden-era guidance, claiming that it has been \"historically neutral” on such investments. If retirement plans like 401(k)s or IRAs were allowed to hold cryptocurrencies, observers anticipate significant demand for digital assets, which could potentially benefit the Trumps' own holdings or associated businesses.Positive Development? Or Will ‘Cracks Emerge?’Cryptocurrency enthusiasts argue that the latest proposal is a step in the right direction.“Expanding 401(k)s into digital assets and private markets is ultimately about infrastructure catching up,” Gabor Gurbacs, Chairman and CEO of OpenAssets, a leading institutional digital market infrastructure firm, said in a statement. He emphasized that fiduciary standards evolve to accommodate these assets, focusing on vehicle design, fee transparency, liquidity, and operational resilience. With proper infrastructure, 401(k) participants can access these markets using structures similar to those already employed in institutional portfolios, Gurbacs said.Growing PressureU.S Senator Elizabeth Warren (D-Mass.), a vocal critic of both Trump and the crypto sector, argues against the proposed rule. As \"cracks emerge in the private credit market, private equity returns fall to 16-year lows, and crypto keeps tumbling, President Trump has decided now is the time to stick all of these risky assets into Americans' 401(k)s,” Warren said.“Americans facing an uncertain future in Trump's economy will now have more reasons to question the security of their retirement savings — all so that Trump's Wall Street buddies have another pile of cash to play with. Anyone who cares about the financial security of working people should oppose this proposed rule,” she continued.Oaktree Capital Management elected to fully satisfy all redemption requests, representing 8.5% in its private credit fund for the first quarter. Photo: Image via Shutterstock/ thanmanoMarket News and Data brought to you by Benzinga APIs© 2026 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.To add Benzinga News as your preferred source on Google, click here.","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.39.0","shortVersion":"4.39.0","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2624555204","isCrawlerRequest":true}