Craig Wear, CFP®Craig Wear, CFP® | Expert in Roth Conversions & Tax-Efficient Retirement Strategies for IRA Millionaires

Trump Changed What You Can Invest in with Your 401(k)

7 Nov 2025 · 1 min

Watch on YouTube

1:06

A short YouTube video by Craig Wear, CFP® explaining that a recent executive order could allow private assets—private equity, hedge funds, private credit, real estate, REITs, venture capital, and cryptocurrency—inside 401(k) retirement accounts. The video outlines potential upsides (diversification, access to previously private investments, higher returns, inflation protection) and downsides (higher fees, reduced liquidity, longer lock-ups, risk of low-quality offerings). The presenter concludes that, used carefully with a fiduciary advisor who understands these investments, such options might extend retirement income and help shield against market downturns.

Chapters

Okay. Private equity and crypto inside your retirement account. Some people think 401ks are boring. Just stocks, bonds, target date funds. But a new executive order could open the door to private assets like hedge funds, private credit, real estate, investment trust, venture capital, even cryptocurrency. So what's the upside? Well, more diversification beyond just the stock market is one access to maybe investment that were once only for the ultra wealthy. And there's also potential for higher returns and protection against inflation. But there is a downside, and that is higher fees than index funds or ETFs. You got less liquidity in some of these partnerships or venture capital things and your money could be locked up for years. More risk if there's low quality investment options. Flood the market because this new law has been passed. But at first glance, it sounds risky to mix private equity or Bitcoin with your retirement. But. But here's the flip. If it's used carefully, the options could add years of extra income in retirement and help shield you from market downturns. What's the key to the whole thing? Work with a fiduciary who understands these investments and can keep your risk balanced.