Private Equity & Crypto In Your 401(k) - BIG Opportunity or HARD Pass?

Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche.

This week on the podcast, we're looking at private equity and cryptocurrencies as investment options in your 401k - is this a big opportunity or a hard pass? 

On August 7, 2025, President Trump signed an executive order titled Democratizing Access to Alternative Assets for 401(k) Investors. This order paves the way for allowing 401(k) plans to include alternative investments like cryptocurrency and private investments in 401(k) plans.

Which begs the question: Is this a good idea for investors? Alternatives and private investments have a track record of higher fees, illiquidity, and higher risk for investors. Their complexity could create problems and additional risks for investors if 401(k) plan trustees eventually move to add these investments to their plan offerings. 

So let's explore this a little more, because you might see these options popping up in your 401ks in the near future, and it's important to think through the potential benefits and risks so you can make the right decision about how to invest your 401k for your retirement. 

 

Next Monday, I'll be back with a new theme - at this point, the Fed will almost certainly lower interest rates when they meet this week, and by the time you're listening to this episode, perhaps they already have. So we'll talk about what that means for inflation, bonds, stocks, mortgage rates, and your retirement next week. 

 

I hope you have a blessed week. My name is Ashley Micciche, this is the Retirement Quick Tips Podcast.