A new executive order signed nearly a month ago on August 7, 2025, could completely change the way Americans invest in their 401ks.
Here’s the deal:
Right now, your 401(k) is mostly limited to mutual funds and ETFs.
In other words, your money sits with Wall Street, and they charge you fees every single year, whether the market goes up or down.
This new order could open the door to six new types of investments inside 401ks:
1. Private companies and startups (invest before they hit the stock market) 2. Real estate (possibly rental properties or lending to developers) 3. Crypto (through ETFs tied to Bitcoin and other digital assets) 4. Commodities (gold, silver, and more) 5. U.S. infrastructure projects (earning interest by funding projects from the government) 6. New income or annuity options (steady payouts in retirement)
The Department of Labor and the SEC still need to decide what is allowed.
Then employers will need to choose which options to include.
Here's why this matters:
This could break Wall Street’s grip on trillions in retirement money.
- Fees could shrink, leaving more cash in your pocket.
- You might gain access to investments outside the stock market.
- Risk levels could rise, especially with startups and crypto.
- Imagine being able to buy real estate or invest in early-stage companies with your 401k.
This could be the biggest change to retirement investing in decades.
Would that be a smart move you think?
As we learn more, my team will keep you updated in real time with my free newsletter Market Briefs, which you can read for FREE here. Enjoy!
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A new executive order signed nearly a month ago on August 7, 2025, could completely change the way Americans invest in their 401ks.
Here’s the deal:
Right now, your 401(k) is mostly limited to mutual funds and ETFs.
In other words, your money sits with Wall Street, and they charge you fees every single year, whether the market goes up or down.
This new order could open the door to six new types of investments inside 401ks:
1. Private companies and startups (invest before they hit the stock market)
2. Real estate (possibly rental properties or lending to developers)
3. Crypto (through ETFs tied to Bitcoin and other digital assets)
4. Commodities (gold, silver, and more)
5. U.S. infrastructure projects (earning interest by funding projects from the government)
6. New income or annuity options (steady payouts in retirement)
The Department of Labor and the SEC still need to decide what is allowed.
Then employers will need to choose which options to include.
Here's why this matters:
This could break Wall Street’s grip on trillions in retirement money.
- Fees could shrink, leaving more cash in your pocket.
- You might gain access to investments outside the stock market.
- Risk levels could rise, especially with startups and crypto.
- Imagine being able to buy real estate or invest in early-stage companies with your 401k.
This could be the biggest change to retirement investing in decades.
Would that be a smart move you think?
As we learn more, my team will keep you updated in real time with my free newsletter Market Briefs, which you can read for FREE here. Enjoy!
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1 week ago (edited) | [YT] | 299