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Labor Department proposes allowing crypto and alternative assets in 401(k)s, prompting praise and backlash

The U.S. Department of Labor has proposed easing 401(k) rules to allow alternative assets, potentially enabling crypto-linked exposure in workplace retirement accounts [1].

Mar 31, 20267:01 PMNewsroom AI

The Labor Department has put forward a proposal to relax rules governing 401(k) plans so they can hold a broader range of alternative investments, a change that could clear the way for crypto-linked exposure within retirement accounts [1] [2] [3].

Proponents say expanded access could increase investor choice and unlock new demand for alternative funds, while critics warn the move could expose plan participants to higher fees, greater volatility and heightened fiduciary risk [3].

The proposal has also drawn political attention: some lawmakers and industry figures have publicly supported the change, with Senator Cynthia Lummis backing a related 401(k) initiative tied to the current administration’s agenda, highlighting shifting dynamics in U.S. crypto regulation debates [4] [3].

Any change would require completion of the DOL’s rulemaking process before 401(k) plans could adopt such investments, and the proposal has prompted both praise and backlash as stakeholders weigh potential benefits and risks [1] [3].

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