The cryptocurrency sector continues to show positive momentum this week, with Bitcoin up 2% around $116,500 and Ether soaring 12% to nearly $4,000 — a level not seen since late 2024. This performance comes amid a major announcement in the United States: President Trump signed an executive order allowing alternative assets, including cryptocurrencies, to be included in 401(k) retirement plans. This reform aims to diversify investments for approximately 90 million Americans holding a 401(k), while also boosting adoption of digital assets and private equity.
However, this progress carries its share of risks: cryptocurrency volatility, often high fees, relatively low liquidity, and legal complexities remain obstacles to broad and smooth adoption. The support of major financial institutions and key crypto players is a positive factor, but the success of this measure will largely depend on fund managers’ willingness to embrace it and their ability to manage these risks.
Analyst Recommendation:
Experts recommend a cautious and selective approach. Over the medium and long term, opening retirement plans to cryptocurrencies could offer significant growth potential—especially if regulations evolve favorably and infrastructure improves. However, in the short term, volatility remains high, and investors should prioritize diversified allocations and limit exposure to the riskiest assets. Fund managers who provide innovative, transparent, and well-regulated solutions will be key players to watch.