The US Department of Labor has submitted a proposed regulatory framework to the White House that could allow employer-sponsored retirement plans to include Bitcoin and other alternative assets. The document still needs to be reviewed by the Office of Information and Regulatory Affairs, and approval would not immediately make cryptocurrencies available in every 401(k) account. Plan managers would assess these investments using six criteria: performance, fees, liquidity, valuation, benchmarks and investment complexity. Assets held in US 401(k) plans reached approximately $10.8 trillion at the end of June 2026; a hypothetical 2% allocation to cryptocurrencies would represent $216 billion, although no adoption on that scale has been announced. Senators including Bernie Sanders and Elizabeth Warren have criticized the initiative, arguing that it could expose retirement savers to volatile and complex assets.
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