Trump’s Plan to Let 401(k)s Hold Crypto Is Almost Final: When Can Savers Buy In?

A final Labor Department rule that would shield employers who add private equity, real estate, and crypto to 401(k) plans reached the White House on Thursday for review by the Office of Information and Regulatory Affairs, the last step before publication. The rule, which implements a Trump executive order, would not require any plan to offer the assets; employers that weigh six factors—performance, fees, liquidity, valuation, benchmarks, and complexity—would receive a safe harbor and a court presumption of prudence. Employer plans held $15 trillion at the end of June, according to ICI. Senators Edward Markey and Elizabeth Warren and Rep. Stephen Lynch urged withdrawal in June, arguing private equity has trailed stock indexes while charging more.