{"id":3604,"date":"2025-08-16T23:40:12","date_gmt":"2025-08-16T23:40:12","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/3604\/"},"modified":"2025-08-16T23:40:12","modified_gmt":"2025-08-16T23:40:12","slug":"what-president-trumps-executive-order-means-for-your-retirement","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/3604\/","title":{"rendered":"What President Trump\u2019s executive order means for your retirement"},"content":{"rendered":"

TUCSON, Ariz. (13 News) – A new executive order from President Donald Trump would allow your 401k plan to include private equity, real estate, and cryptocurrencies.<\/p>\n

We\u2019re talking about more than $12 trillion in American workers\u2019 savings.<\/p>\n

In practice, not much has changed, including the law.<\/p>\n

\u201cWhat ultimately changed is that they rescinded a 2021 letter that kind of threw shade at the idea of including private equity investments in 401ks,\u201d said Stephen Kates, a certified financial planner and Bankrate financial analyst<\/a>.<\/p>\n

\"FILEFILE – Then Former President Donald Trump speaks at the Bitcoin 2024 Conference, July 27, 2024, in Nashville, Tenn.(Mark Humphrey | AP Photo\/Mark Humphrey, File)<\/p>\n

Pulling that \u201cshade\u201d could give you more choices, more diversification, and potentially, more risk.<\/p>\n

Traditionally, stocks and bonds make up your 401k portfolio.<\/p>\n

\u201cSo in addition to a diversified stock, bond, international stock allocation – you might have a little bit of private equity – and in the far future – maybe you\u2019ll have a little bit of private investments or cryptocurrency, but it\u2019s going to take a very long time for any of that to develop,\u201d Kates said.<\/p>\n

So far, there have been no developments in any 401ks.<\/p>\n

Next year, BlackRock plans to introduce a fund that includes private equity, six years after it was made legal to do so.<\/p>\n

It takes so long because investments have to have a track record to prove they\u2019re a good investment for you.<\/p>\n

\" (AdobeStock)<\/p>\n

\u201cCompanies and custodians are extremely afraid of litigation. They are extremely conservative, and that\u2019s not going to change,\u201d said Kates. \u201cThere will never be a situation when you can put 100% of your 401k into Bitcoin or private equity or private investments – it will never happen.\u201d<\/p>\n

They have a fiduciary duty to offer quality investments at a low cost because they are choosing the options for you, and they must make it extremely clear what\u2019s in a fund.<\/p>\n

\u201cYou\u2019ll be able to determine if any of your investments available in your 401k have exposure to that – if they do and you don\u2019t want it, you don\u2019t have to invest in it,\u201d Kates said. \u201cThis is a lot of news and a lot of hype for something that probably isn\u2019t going to be personally applicable to you for a decade.\u201d<\/p>\n

The Labor Department will have to create new guidance on these \u201calternative assets\u201d and their accessibility to you. The department announced it is taking the first step toward a \u201cmore open environment\u201d and expects more significant regulatory changes in the next six months.<\/p>\n

You can submit your breaking news or weather images here<\/b><\/a>.<\/p>\n

Copyright 2025 13 News. All rights reserved.<\/p>\n","protected":false},"excerpt":{"rendered":"TUCSON, Ariz. (13 News) – A new executive order from President Donald Trump would allow your 401k plan…\n","protected":false},"author":2,"featured_media":3605,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[177],"tags":[4041,4039,3889,4038,214,4042,79,4035,18,4037,4040,19,3442,17,4043,234,235,254,4036],"class_list":{"0":"post-3604","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-13-fact-finders","9":"tag-13-news","10":"tag-401k","11":"tag-bankrate","12":"tag-bitcoin","13":"tag-brooke-wagner","14":"tag-business","15":"tag-cryptocurrency","16":"tag-eire","17":"tag-executive-order","18":"tag-fact-finders","19":"tag-ie","20":"tag-investing","21":"tag-ireland","22":"tag-labor-department","23":"tag-personal-finance","24":"tag-personalfinance","25":"tag-private-equity","26":"tag-retirement-savings"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/3604","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=3604"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/3604\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/3605"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=3604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=3604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=3604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}