U.S. Lawmakers Push SEC: Cryptocurrencies in 401(k) Retirement Plans Under Trump’s Executive Order

U.S. lawmakers are pressuring the Securities and Exchange Commission (SEC) to quickly clarify the rules for integrating cryptocurrencies into 401(k) retirement plans. On September 22, 2025, House Financial Services Committee Chairman French Hill, along with other members of Congress, sent a letter to SEC Chairman Paul Atkins. In it, they called for clear guidance on implementing President Donald Trump’s executive order, which was signed on August 7, 2025.

Trump’s decree changes the game The executive order requires the Department of Labor to expand access to alternative assets—including cryptocurrencies, private equity, and real estate—within 401(k) retirement accounts and other defined-contribution plans. This could unlock trillions of dollars for new investment opportunities. Lawmakers emphasized in the letter that the move will help millions of Americans diversify their retirement savings. “We hope these measures will help 90 million Americans secure a dignified and comfortable retirement,” the letter states. The Department of Labor is expected to reassess rules for alternative assets and clearly determine whether private allocation into cryptocurrencies within 401(k)s will be permitted.

Rising demand for private equity The Schroders Retirement Survey 2025 revealed that interest in alternative assets surged following Trump’s signature. 🔹 45% of retirement plan participants said they would invest in private equity or private debt if allowed – compared to 36% in 2024

🔹 77% of those interested would even increase their plan contributions

🔹 Fewer than one-third, however, expect such options to appear in their portfolios within the next five years The survey also revealed that many participants have only limited knowledge of private equity and other alternative assets, often perceiving them as risky.

A potential historic shift in U.S. pensions According to experts, the new rule could pave the way for greater diversification of retirement portfolios. “For decades, pension funds have combined public and private investments to meet their obligations to retirees,” explained Deb Boyden of Schroders. “If access to alternative assets is now expanded, 401(k) participants will have a better chance to prepare for the future.”

If the SEC and the Department of Labor establish clear rules, this could mark the biggest change in the U.S. retirement system in decades.

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