🧠 TODAY’S TOP MOVE
The unthinkable just happened: The President signed an executive order cracking open your 401(k) to the assets Wall Street swore you’d never touch.
Crypto. Private equity. Real estate. Infrastructure.
It’s no longer just for Harvard’s endowment or your rich brother-in-law. The door is cracked — but you’ll have to pay attention now.
🗞️ THE SIGNAL
On August 7, 2025, President Trump signed an executive order titled:
“Democratizing Access to Alternative Assets for 401(k) Investors.”
Here’s the translation — stripped of political spin:
🔓 Access Is Expanding
Digital assets (yes, crypto)
Private equity & private credit
Real estate (direct ownership + debt-backed plays)
Commodities & infrastructure
Lifetime income strategies
💼 The Rulebook Is Changing
The Department of Labor has 180 days to rewrite the rules
The SEC is weighing changes to broaden access
Fiduciaries are getting safe harbor protection to open the gates
Washington is telling plan sponsors: balance costs against long-term, risk-adjusted returns
📊 WHAT THIS MEANS FOR YOU
If you’ve got a 401(k):
You may soon access the same deals pensions and billionaires have used for decades. But don’t get starry-eyed — some alt investments are goldmines, others are landmines. That’s why we exist.
If you’re an advisor/fiduciary:
Clients will hammer you with: “Can I put crypto in my 401(k) now?”
DOL guidance is about to shift under your feet
You’ll need airtight due diligence — fees, liquidity, risks — documented and defensible
⚖️ FIDUCIARY FOCUS
For the ERISA-minded:
Due diligence won’t vanish — it’ll intensify
Expect new safe harbors to be carved out for alts
Collaboration between DOL + SEC is ramping up
Translation: This is no free-for-all. It’s a regulated revolution.
✅ THE BOTTOM LINE
Alternative investments are no longer a whisper at the country club. They’re marching into your 401(k).
The smart ones won’t just jump in — they’ll ask hard questions, weigh risks, and refuse to settle for “fine.”
⚖️ The Final Word:
Washington just cracked the door to alternatives — but don’t mistake access for a free lunch. The wealthy built empires here, but they also had guardrails and due diligence teams. Step through, yes. But step carefully.
📈 Forward this to your team, your clients, your spouse.
This shift is underway. The smart play is to understand it before the options hit your plan menu.
401k Alts Daily™
America’s Alt Investment Authority™