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In August 2025, the U.S. government took a groundbreaking step by issuing an executive order aimed at democratizing access to alternative assets within 401(k) plans. Notably, crypto was explicitly included for the first time as a permissible asset class. This marked a major shift in policy, acknowledging the growing importance of digital assets in investment portfolios.
Further reinforcing this momentum, Congress introduced the Retirement Investment Choice Act. This bill seeks to codify the executive order into law, making the inclusion of cryptocurrencies in retirement plans a formal, regulated option. If passed, it could dramatically expand the options available to American workers, allowing them to diversify their retirement savings with assets once considered highly speculative.