Key Highlights
• Trump plans an executive order allowing professionally managed 401(k) plans to offer crypto, precious metals, private equity, and other alternatives.
• Opening even a sliver of the $9 trillion retirement market to Bitcoin and Ethereum could channel billions into digital assets.
Yello Paradisers! President Donald Trump is preparing to sign an executive order that could fundamentally alter how Americans invest for retirement.
The plan would allow professionally managed 401(k) plans, currently holding roughly $8.9 trillion across more than 715,000 accounts, to offer Bitcoin, Ethereum, precious metals, private equity, and other non-traditional assets alongside the usual stocks, bonds, and mutual funds.
White House officials have stressed that no decision is final until Trump speaks, but confirmed his pledge to “restore prosperity for everyday Americans” by widening access to growth opportunities.
Billions in Liquidity Could Hit Crypto Markets
Even a modest allocation, say, just 1 percent of the 401(k) universe flowing into digital assets could unleash nearly $90 billion into Bitcoin and Ethereum markets. That influx could help stabilize liquidity, smooth out volatility, and further normalize crypto as a retirement asset class. Beyond Bitcoin and Ethereum, the proposed plan allows savers to allocate to gold, infrastructure, and private credit.
Big Players Are Already Positioning
Major financial institutions like BlackRock, Vanguard, Apollo, and Blackstone are racing to package retirement-friendly products that integrate digital assets. Fidelity’s crypto-enabled retirement account, rolled out earlier this year, was just the opening move. Several state pension funds in Michigan, Wisconsin, and North Carolina are quietly adding exposure through Bitcoin and Ethereum ETFs.
Risk, Reward, and a Dash of Regulatory Clarity
Critics warn that the volatility of tokens like Bitcoin, and the illiquidity of private markets, could expose retirement savers to heightened risks. To balance innovation with prudence, the executive order is expected to mandate clear fiduciary guidelines and a “safe harbor” to protect administrators from legal fallout when offering such options.
But as Rory Sutherland might argue, retirement isn’t about avoiding risk; it’s about choosing the right kind. After all, inflation quietly eats away at “safe” cash positions every year, while a carefully sized crypto allocation could do the opposite, enhance returns while hedging against monetary policy surprises.
Where to Position Before the Rules Hit
We’ll break down this potential executive order and its market implications in our MCP YouTube stream, including how Bitcoin and Ethereum liquidity could shift as retirement accounts unlock.
For just $3 a month, MCP News Private members will receive the full strategy blueprint: which assets stand to benefit most, and how to position both for upside and risk management as the $9 trillion retirement market opens. You can’t drink our news, but for less than the price of a single toll-road fee, it might pay for your retirement twice over.
Meanwhile, ParadiseFamilyVIP traders are already mapping accumulation and breakout levels ahead of the announcement, ensuring they’re positioned while the rest of the market is still debating.
If 401(k) money can finally flow into Bitcoin and Ethereum, don’t just see it as retirement planning, see it as the start of a liquidity wave that could make every disciplined trader’s portfolio look like a pension fund on steroids.
