Kryptovaluta Ett Steg Närmare Inkludering i 401(k) Eftersom Förslag Passerar Vita Husets Granskning

Benzinga og Yahoo Finance LLC kan tjene provisjon eller inntekt på enkelte varer gjennom lenkene nedenfor.
Kryptovalutaer er ett skritt nærmere å bli inkludert i pensjonsplaner etter en gjennomgang av et forslag fra arbeidsdepartementet av Det hvite hus.
Nettstedet til Office of Information and Regulatory Affairs sier at det 24. mars konkluderte med sin gjennomgang av forslaget fra arbeidsdepartementet om å gi tillitsmannsveiledning for inkludering av alternative eiendeler, som kryptovalutaer, private equity og eiendom, i 401(k)-planer.
Ikke Gå Glipp Av:
Avslutningen av gjennomgangsprosessen baner vei for at forslaget kan publiseres for offentlige kommentarer, som vanligvis varer i 60 dager og kan etterfølges av endringer og en ny OIRA-gjennomgang før det endelig vedtas.
Forslaget markerer et stort skifte for arbeidsdepartementet, som hadde advart mot å inkludere kryptovalutaer i 401(k)-planer i en veiledning fra 2022 som nå er opphevet, med henvisning til deres volatilitet og regulatorisk usikkerhet, blant andre faktorer.
Skiftet kommer etter at president Donald Trump i august i fjor utstedte en presidentordre som instruerte arbeidsdepartementet om å revurdere eksisterende veiledning for å tillate inkludering av alternative eiendeler i 401(k)-planer som styres av Employee Retirement Income Security Act of 1974.
Trending: Dette Energilagringsselskapet Har Allerede $185M i Kontrakter—Aksjer Er Fortsatt Tilgjengelige
I tillegg til arbeidsdepartementet instruerte Trump i samme ordre også Securities and Exchange Commission om å arbeide for å tillate inkludering av alternative eiendeler i selvstyrte planer.
Kryptomarkedsobservatører ser bredt sett åpningen av pensjonskontoer for kryptovalutaer som positivt, gitt den enorme størrelsen på det amerikanske pensjonsmarkedet.
Amerikanske pensjonsmidler nådde 49,1 billioner dollar per 31. desember, ifølge Investment Company Institute. Sammenlignet med dette er hele kryptomarkedet verdt 2,3 billioner dollar, noe som antyder at selv en liten allokering fra pensjonsplaner kan ha en betydelig innvirkning på markedet.
Med kryptovalutaer og andre alternative eiendeler som beveger seg nærmere inkludering i 401(k)-planer, kan investorer utforske å bygge en diversifisert portefølje rundt sine egne ideer ved hjelp av Publics selvstyrte investeringsverktøy.
Les Neste:
Å bygge en robust portefølje betyr å tenke utover en enkelt eiendel eller markedstrend. Økonomiske sykluser skifter, sektorer stiger og faller, og ingen investering presterer bra i alle miljøer. Det er derfor mange investorer ser på å diversifisere med plattformer som gir tilgang til eiendom, rentebærende muligheter, profesjonell finansiell veiledning, edle metaller og til og med selvstyrte pensjonskontoer. Ved å spre eksponeringen over flere aktivaklasser blir det lettere å håndtere risiko, fange jevne avkastninger og skape langsiktig formue som ikke er knyttet til formuen til bare ett selskap eller en bransje.
Paladin
Paladin Power tar tak i den økende etterspørselen etter energiselvstendighet med et brannsikker energilagringssystem som ikke er avhengig av litium-ion-batterier. I stedet bruker ESS-en sin ikke-litium, faststoffgrafenbatteriteknologi som er designet for holdbarhet, sikkerhet og lang levetid – og posisjonerer den som et alternativ til brannutsatte lagringsløsninger som dominerer dagens marked. Siden lanseringen i 2023 har Paladin generert 185 millioner dollar i kontraktsinntekter, oppnådd sterk vekst år-over-år og sikret en produksjonsavtale med NYSE-noterte Jabil. Med systemer som allerede er utplassert i boliger og kommersielle eiendommer og et globalt markedsmulighet på 500 milliarder dollar for elektrifisering foran seg, tilbyr Paladin investorer eksponering mot desentralisert energiinfrastruktur støttet av reelle kontrakter, produksjon basert i USA og skalerbar neste generasjons teknologi.
Arrived
Backed by Jeff Bezos, Arrived Homes makes real estate investing accessible with a low barrier to entry. Investors can buy fractional shares of single-family rentals and vacation homes starting with as little as $100. This allows everyday investors to diversify into real estate, collect rental income, and build long-term wealth without needing to manage properties directly.
Masterworks
Masterworks enables investors to diversify into blue-chip art, an alternative asset class with historically low correlation to stocks and bonds. Through fractional ownership of museum-quality works by artists like Banksy, Basquiat, and Picasso, investors gain access without the high costs or complexities of owning art outright. With hundreds of offerings and strong historical exits on select works, Masterworks adds a scarce, globally traded asset to portfolios seeking long-term diversification.
Finance Advisors
Finance Advisors helps Americans approach retirement with greater clarity by connecting them to vetted, fiduciary financial advisors who specialize in tax-aware retirement planning. Rather than focusing on products or investment performance alone, the platform emphasizes strategies that account for after-tax income, withdrawal sequencing, and long-term tax efficiency—factors that can materially impact retirement outcomes. Free to use, Finance Advisors gives individuals with meaningful savings access to a level of planning sophistication historically reserved for high-net-worth households, helping reduce hidden tax risk and improve long-term financial confidence.
Public
Public is a multi-asset investing platform built for long-term investors who want more control, transparency, and innovation in how they grow wealth. Founded in 2019 as the first broker-dealer to offer commission-free, real-time fractional investing, Public now lets users invest in stocks, bonds, options, crypto, and more—all in one place. Its latest feature, Generated Assets, uses AI to turn a single idea into a fully customized, investable index that can be explained and backtested before committing capital. Combined with AI-powered research tools, clear explanations of market moves, and an uncapped 1% match for transferring an existing portfolio, Public positions itself as a modern platform designed to help serious investors make more informed decisions with context.
Money Pickle
Money Pickle helps people connect with vetted fiduciary financial advisors—professionals who are legally obligated to act in their clients' best interests. Through a quick online quiz, users are matched with a fiduciary for a complimentary, no-obligation one-on-one strategy session tailored to goals like retirement planning, investing, tax strategy, or getting financially organized. With no upfront costs and no sales pressure, Money Pickle removes the friction and uncertainty from finding trustworthy advice, making personalized financial guidance accessible whether you're building wealth, preserving it, or planning for the future.
Atari
Atari is bringing its iconic legacy into the physical world with the launch of the first-ever Atari Hotel, a construction-ready gaming and entertainment destination in downtown Phoenix. The Atari Hotel Phoenix blends immersive gaming, live events, dining, and technology-driven experiences into a next-generation hospitality concept, backed by secured land, licensing, and development partners. Through a Regulation A+ offering, investors can own a direct stake in the land, building, and branded hotel starting at $500, with targeted returns including a 15% preferred return and a projected 5.8x multiple. As gaming and experiential travel continue to converge, this opportunity allows everyday investors to participate alongside developers in transforming a legendary brand into a real-world destination.
AdviserMatch
AdviserMatch is a free online tool that helps individuals connect with financial advisors based on their goals, financial situation, and investment needs. Instead of spending hours researching advisors on your own, the platform asks a few quick questions and matches you with professionals who can assist with areas like retirement planning, investment strategy, and overall financial guidance. Consultations are no-obligation, and services vary by advisor, giving investors a chance to explore whether professional advice could help improve their long-term financial plan.
EnergyX
EnergyX is a lithium extraction company focused on making production faster and more efficient with its LiTAS® technology, which can recover over 90% of lithium in just days instead of months. Backed by General Motors and a $5 million U.S. Department of Energy grant, the company controls extensive lithium acreage in Chile and the U.S. and is working to scale one of the largest lithium production facilities. Its goal is to help meet the rapidly growing global demand for lithium, a key resource for electric vehicles, consumer electronics, and large-scale energy storage.
Global Air Cylinder Wheels
GACW is an engineering startup developing the Air Suspension Wheel (ASW)—an airless mechanical wheel with built-in suspension designed to replace traditional rubber tires in heavy-duty applications. Initially targeting the $5 billion global mining tire market, the company says its technology can eliminate blowouts, reduce maintenance, and lower lifetime operating costs while also addressing environmental concerns tied to tire waste and microplastics. The patent-protected system is fully recyclable and designed to last the lifetime of the vehicle, with potential applications beyond mining. GACW plans to commercialize the technology in 2026 using a "Wheels as a Service" model that lets operators adopt the system without large upfront costs.
Bam Capital
BAM Capital offers accredited investors a way to diversify beyond public markets through institutional-grade multifamily real estate. With over $1.85 billion in completed transactions and guidance from Senior Economic Advisor Tony Landa, the firm targets income and long-term growth as supply tightens and renter demand remains strong—especially in Midwest markets. Its income-focused and growth-oriented funds provide exposure to real assets designed to be less tied to stock market volatility.
Rad AI
Rad AI's award-winning artificial intelligence technology helps transform data chaos into actionable insights, enabling the creation of high-performing content with measurable ROI. Their Regulation A+ offering allows investors to participate at $0.85 per share with a minimum investment of $1,000, providing an opportunity to diversify portfolios into early-stage AI innovation. For investors seeking exposure to the rapidly growing AI and tech sector, Rad AI offers a chance to get in on the ground floor of a data-driven growth story.
Image: Shutterstock
Denne artikkelen Kryptovaluta Ett Steg Närmare Inkludering i 401(k) Ettersom Förslag Passerar Vita Husets Granskning dukket opp på Benzinga.com
© 2026 Benzinga.com. Benzinga gir ikke investeringsråd. Alle rettigheter reservert.