President Trump’s executive order allows cryptocurrencies and alternative assets into the $9 trillion US 401(k) retirement market for the first time. This landmark move enables millions of Americans to include digital assets like Bitcoin in their retirement plans, prompting US regulators to update frameworks and signalling a global shift toward integrating crypto into long-term wealth strategies.
President Donald Trump has signed a groundbreaking executive order that opens the $9 trillion US retirement market, specifically 401(k) plans, to cryptocurrencies, private equity, and other alternative investments.
This move allows millions of Americans to gain exposure to Bitcoin and digital currencies within their retirement portfolios, fundamentally reshaping the future of wealth-building in the US.
401(k) Plans Now Include Crypto Exposure
For decades, 401(k) retirement plans have limited investors to traditional stocks and bonds, excluding high-growth assets such as cryptocurrencies. Over 90 million US workers participate in these plans, which are now set to include crypto and private equity following this directive. The executive order directs US regulators to modernise existing frameworks that have restricted access to these emerging asset classes in professionally managed retirement accounts.
“This is a defining moment not just for crypto, but for the entire future of finance,” says Nigel Green, CEO of deVere Group. “The world’s largest economy is saying, in effect, that digital assets now belong in the core of long-term wealth strategies. This has global implications.”
Global Ripple Effects as Major Economies Follow Suit
The US is leading a global shift towards integrating digital assets into retirement savings. European regulators are already under pressure to update pension rules, while Asian markets—with high crypto adoption—are gearing up to match the momentum generated by this US policy change.
“This is yet another breakthrough moment for crypto,” Nigel Green continues.
The timing coincides with a surge in cryptocurrencies during 2025, highlighted by Bitcoin’s record-breaking highs fueled by corporate, sovereign, and regulatory support.
Unlocking a Vast Pool of Retirement Capital for Crypto
Retirement savings are among the most conservative capital pools worldwide. Allowing crypto investments within 401(k) accounts could unlock hundreds of billions of dollars in new demand for digital assets. This influx is expected to accelerate crypto infrastructure development, innovation, and mainstream adoption.
“Retirement savings are one of the most conservative pools of capital in existence. If crypto can earn its place there, it can earn its place anywhere,” adds Nigel Green. “This order breaks the psychological and regulatory barrier that’s kept crypto in a sandbox, but now it’s mainstage.”
Political Embrace and Investor Responsibility
This executive order marks an accelerated political acceptance of cryptocurrencies in the US. While lobbying for alternative asset access has been ongoing, the inclusion of digital assets was crucial in advancing the policy.
Investors gain new opportunities but must navigate the unique volatility and risk profiles of crypto markets. With appropriate diversification and expert oversight, the potential benefits of crypto exposure remain strong.
“Investors want exposure to the future. They don’t want to miss out. This move allows them to build that exposure inside their most important financial vehicles, with guidance and safeguards,” Nigel explains.
The US decision will influence pension funds, sovereign wealth managers, and asset allocators globally, prompting a reevaluation of investment strategies to include digital assets.
“Crypto is no longer just an option for speculative traders or hedge funds. It’s becoming part of the financial DNA of today’s world,” concludes Nigel Green.
About deVere Group
deVere Group is a leading independent financial advisory firm serving international, local mass affluent, and high-net-worth clients. Operating through a global network, deVere manages $14 billion in assets and serves over 80,000 clients worldwide.
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