Trump is rumored to open up 9 trillion dollars 401(k) retirement fund to invest in Crypto Assets, is Bitcoin about to soar?

US President Trump is reportedly set to ease investment restrictions on 401(k), allowing cryptocurrencies to potentially be officially included in the $9 trillion US retirement funds, affecting the risk balance for investors and regulators. (Background: Retirement funds can buy Bitcoin! The US Department of Labor has revoked the 401(k) cryptocurrency guidelines, unlocking billions in funding) (Supplementary background: 27% of South Koreans under 50 own cryptocurrency, 70% plan to increase their investments: Retirement planning relies on crypto) The US 401(k) retirement plan, which emphasizes "stable retirement", is approaching a turning point that could rewrite the asset allocation landscape. According to a report from the Financial Times today (18th) citing informed sources, President Trump is expected to sign an executive order to lift investment restrictions on 401(k), allowing cryptocurrencies like Bitcoin, gold, and private equity to obtain a formal entry into the $9 trillion retirement market. Will Trump sign the executive order? However, the White House has not yet released the full text, and spokesperson Kush Desai told Cointelegraph: "Unless it's issued by President Trump himself, no decision should be considered official. But President Trump is committed to restoring prosperity for the American people and securing their economic future." Despite a cautious tone, the public generally interprets it as a prelude to policy setting. If the order takes effect, the "qualified investment list" for 401(k) will no longer be limited to stocks, bonds, and mutual funds, and cryptocurrencies will rise to become an option. The market has already positioned itself in advance. In fact, the shift in the US government's regulatory attitude was not without signs. In May of this year, the US Department of Labor had already revoked the guidelines restricting cryptocurrencies from being included in 401(k) during the Biden administration. As early as April, Fidelity (, with an Assets Under Management of $5.9 trillion, launched retirement accounts allowing holders to invest in cryptocurrencies. Industry observers pointed out that the early entry of institutional products means that the market had anticipated policy easing, reflecting that crypto assets can provide significant appeal for client diversification in the eyes of asset management companies. Potential returns and structural risks For investors, in a low-interest-rate environment, Bitcoin has outperformed the Nasdaq index in five out of the past six years, attracting pension participation hoping to boost long-term returns. However, the crypto market also experiences significant fluctuations. Critics warn that transferring retirement savings to higher-risk, lower-liquidity alternative assets (like private equity and cryptocurrencies) may expose retail investors to greater financial risks. Next observation focus If Trump's executive order is officially released, the US financial system will see "top-down" legal endorsement, and cryptocurrencies are expected to become potential allocation options for millions of retirement accounts. For regulators, finding a balance between openness and protection will determine whether the reform can genuinely benefit long-term investors. For holders of 401)k(, facing an additional high-volatility asset, the allocation ratio, fee structure, and long-term risk tolerance must also be recalculated. However, it can be expected that the cryptocurrency market should be able to gain more new funding flows from this. Related reports Trump announces that tariff notification letters for 12 countries will be sent out next Monday, Zhuo Rongtai: Prioritizing the protection of Taiwan's sensitive products, negotiations are ongoing Trump extends tariffs to take effect on 8/1! Latest tariff rates for six Asian countries including Japan, South Korea, and Malaysia are out. Following the Trump-Xi hotline, a new round of US-China negotiations will open in London on the 9th, with tariffs and rare earth trade being the focus. <Trump is rumored to open the $9 trillion 401)k( retirement fund for cryptocurrency investment, is Bitcoin about to soar?> This article was first published in BlockTempo, the most influential blockchain news media.