The US Department of Labor published a proposed rule to allow crypto in 401(k) retirement plans. With $7.4T in US 401(k) assets, even a 1-2% allocation represents $74-148B in potential Bitcoin demand.
The US Department of Labor published a proposed rule to allow crypto in 401(k) retirement plans. With $7.4T in US 401(k) assets, even a 1-2% allocation represents $74-148B in potential Bitcoin demand.
The US Department of Labor published a proposed rule in the Federal Register seeking to expand 401(k) investment options to include digital assets like Bitcoin.
Labor Secretary Lori Chavez-DeRemer said the proposed rule will show how plans can consider products that better reflect the investment landscape as it exists today, calling it a major win for American workers, retirees, and their families.
SEC Chair Paul Atkins added that broadening American investors access to well-diversified, long-term investments is a critical priority for effective retirement planning.
US 401(k) plans hold roughly $7.4 trillion in assets. At BlackRock recommended 1% allocation, that is $74 billion in potential Bitcoin demand. At Morgan Stanley recommended 2-4%, it is $148-296 billion. Current total spot Bitcoin ETF AUM is approximately $85 billion.
401(k) contributions are automatic and recurring. Every paycheck becomes a potential Bitcoin purchase, creating sustained demand from millions of American workers. This is a completely different demand profile than episodic ETF inflows.
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