US Proposal to Expand Crypto in 401(k) Plans

The U.S. Department of Labor has proposed a rule change to expand alternative investment options, including cryptocurrencies, in 401(k) retirement plans. This proposal aims to revise 401(k) regulations by the Department of Labor, SEC, and Treasury in line with President Donald Trump’s executive order issued in August.

Cryptocurrencies and Alternative Investments in 401(k) Plans

The notice published in the Federal Register on Monday details the factors retirement managers should consider when integrating crypto and other alternatives into portfolios. The draft defines digital assets as “a new form of investment that can be stored and transferred digitally, including cryptocurrencies like Bitcoin and other tokens.” This step could increase diversification by allowing retirement funds to go beyond traditional assets.

Supportive Statements on Crypto from Labor Secretary and SEC

Labor Secretary Lori Chavez-DeRemer stated that the proposal will bring innovation by including products that reflect the current investment landscape into plans and provide benefits for American retirees. SEC Chairman Paul Atkins emphasized that diversified long-term investments are critically important for retirement planning. These views could accelerate institutional adoption.

Wall Street’s BTC Allocation Recommendations

From Wall Street, Morgan Stanley recommends that advisors suggest 2-4% crypto allocation, while BlackRock suggests 1-2%. These recommendations could strengthen retirement portfolios by reviewing BTC detailed analysis. Institutional inflows could trigger long-term upside by increasing BTC demand.

BTC Technical Analysis: Support and Resistance Levels

Current BTC price 67,547.20 USD, 24-hour change -0.08%. RSI at 45.39 in neutral zone, overall trend downward and Supertrend bearish signal. EMA 20: 68,827.30. Strong supports:

• S1: 67,446.78 (70/100 score, -0.29% distance)
• S2: 60,000.00 (69/100 score, -11.30% distance)

Resistances:

• R1: 68,142.75 (74/100 score, +0.73% distance)
• R2: 83,437.33 (69/100 score, +23.34% distance)

With this news, BTC futures volume may increase. Investors should follow BTC spot analysis.