The US retirement savings plan is expected to include investments in Crypto Assets.

Recently, U.S. President Trump signed an executive order that opens up possibilities for American citizens to invest in alternative assets such as Crypto Assets, private equity, and real estate within their 401(k) retirement savings plans. This decision could have a significant impact on the Crypto Assets market.

According to the content of the executive order, the Department of Labor needs to reassess the guidance on alternative asset investments in 401(k) plans under the Employee Retirement Income Security Act (ERISA) within 180 days. At the same time, the Secretary of Labor will consult with the Secretary of the Treasury, the Securities and Exchange Commission (SEC), and other agencies to explore relevant regulatory reforms. The SEC is also required to revise relevant regulations to facilitate access to alternative assets for participants in defined contribution retirement savings plans.

It is worth noting that the Department of Labor had previously been cautious about including Crypto Assets in the 401(k) plan, but that guidance was withdrawn in May of this year. This change reflects a shift in regulatory attitude.

As a result of this news, the Crypto Assets market has seen an increase. Data shows that Bitcoin has risen nearly 2% within 24 hours, while Ethereum's increase exceeds 7%.

401(k) plan is a retirement plan widely adopted by private enterprises in the United States, funded jointly by employees and employers, enjoying tax benefits. Currently, the 401(k) plan holds approximately $8.7 trillion in assets, with over 90 million Americans participating. If cryptocurrency is allowed to be included in the investment options, it could bring a significant influx of funds into the crypto market.

However, this decision has also raised some concerns. Critics point out that incorporating high-risk assets into retirement savings may increase the risk for investors. In addition, the high management fees of alternative assets could erode investment returns, and the lack of liquidity may also pose inconveniences for investors.

Nevertheless, the Crypto Assets industry generally welcomed this decision. Analysts believe that even if only a small proportion of 401(k) funds flow into the Crypto market, it will have a significant impact on the industry.

It is important to note that although the executive order has been signed, its actual implementation may still take some time. The main 401(k) plan providers need to develop suitable products, and this process may take several years.

Overall, this decision reflects the trend of Crypto Assets gradually gaining regulatory recognition, which could bring new development opportunities for the crypto industry. However, investors still need to carefully assess risks and balance the safety of retirement savings with potential returns.