New Bill Pushes to Include Cryptocurrencies in Retirement Plans Amid Optimism and Skepticism
October 14, 2025
However, critics warn that these new options come with complex risks that may not be fully understood by average investors, emphasizing the need for caution and thorough due diligence.
Bitcoin's unique design, including its fixed supply and transparent settlement options, sets it apart from historical market bubbles and is viewed by proponents as a resilient asset during systemic breakdowns.
Institutional interest in crypto remains high, with over $20 billion invested this year, and the potential legal backing from new legislation could accelerate these flows, reducing volatility and boosting liquidity.
Financial experts suggest revising traditional asset allocation models to include more alternative assets, with some recommending a 50/30/20 split for better resilience against market volatility.
A new bill aims to formalize the inclusion of cryptocurrencies in retirement plans, building on Donald Trump's executive order that proposed allowing crypto investments within 401(k)s, potentially expanding access to digital assets.
House Republicans have introduced the Retirement Investment Choice Act to further expand access to alternative investments like private equity and digital assets in defined contribution plans.
Increased stability and reduced volatility could support Bitcoin's price stabilization, especially if regular contributions from retirement savers continue to reinforce its downward volatility trend.
Recent declines in Bitcoin volatility following ETF launches suggest that inflows from retirement contributions might help stabilize its price floors over time.
Regulators are expected to release guidance by February 2026, with final rules anticipated by the end of that year, providing clarity for crypto inclusion in retirement plans.
This legislation broadens the definition of alternative assets to include private investments, real estate, commodities, infrastructure, and digital assets, which must be held through actively managed investment vehicles.
Market sentiment remains optimistic, with indicators like the Crypto Fear and Greed Index in the 'greed' zone, suggesting potential for further bullish movements if macroeconomic factors stay favorable.
Despite growing adoption, skepticism persists among Americans, with nearly 80% unlikely to invest retirement savings in crypto due to concerns about market risks and regulatory oversight.
Summary based on 16 sources
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Sources

Forbes • Oct 14, 2025
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Yahoo Finance • Oct 13, 2025
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Cointelegraph • Oct 14, 2025
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