Trump’s 401(k) Shake-Up: More Choices, More Risk for Retirement Savers

President Donald Trump’s new executive order could reshape retirement investing by allowing 401(k) plans to include alternative assets such as private equity, real estate, and cryptocurrencies. This expansion opens the door for millions of Americans to gain exposure to high-growth sectors that were once off-limits in retirement accounts.

For cryptocurrency holders — especially Bitcoin investors — the policy could be a major demand driver. Retirement funds represent trillions in assets under management, and even a small allocation to Bitcoin could fuel significant inflows, potentially supporting higher long-term prices. For savers, Bitcoin offers not only high-return potential but also diversification benefits, given its unique performance patterns compared to stocks and bonds.

By adding private equity, real estate, and crypto to the mix, retirement portfolios could see improved risk-adjusted returns over the long run. These assets are likely to be offered in professionally managed 401(k) products, making them accessible without requiring deep market expertise. Advocates say this “leveling of the playing field” could help portfolios grow faster and remain resilient through market cycles.

If U.S. retirement plans allocated even 1% of their assets to Bitcoin, it could mean hundreds of billions in fresh demand — a scale that has historically triggered significant price appreciation. This policy shift, combined with Bitcoin’s capped supply, may create a powerful tailwind for long-term holders while attracting a new wave of institutional and retail interest.

‍

BTC Technical Analysis

Bitcoin is currently trading around $121,895, up +2.18% in the last 4 hours after a strong breakout from the $118,800 resistance area, which now acts as a fresh support zone. This breakout aligns with a clear "Break of Structure" on the 4H chart, suggesting that bullish momentum is gaining traction.

Price is well above the 20 EMA, 50 EMA, 100 EMA, and 200 EMA, confirming a short-term to medium-term bullish bias. If this momentum sustains, the next upside targets sit around $123,000–$125,000.

Stochastic RSI is in extreme overbought territory (95.43), signaling strong buying pressure but also caution for potential short-term pullbacks or consolidation near resistance.

Between August 6 and August 8, 2025, Bitcoin ETFs recorded three consecutive days of strong inflows — $91.6 million, $277.4 million, and $403.9 million, respectively. This steady pickup in institutional demand signals renewed confidence after prior heavy outflows, potentially supporting Bitcoin’s short-term bullish momentum if the trend holds.

‍

ETH Technical Analysis

Ethereum is trading at $4,308, up +1.36% in the last 4 hours, continuing its steady climb after bouncing from the $4,050 support zone. The move has maintained a clean uptrend above the 20 EMA and 50 EMA, with price structure holding firmly bullish.

The next immediate resistance is around $4,340–$4,380. A breakout could lead ETH toward the $4,450–$4,500 range.

Stochastic RSI is elevated (89.73), indicating strong momentum but nearing overbought levels where profit-taking could trigger mild pullbacks

Between August 6 and August 8, 2025, ETH ETFs saw accelerating inflows — $35.1 million, $222.3 million, and $461 million, respectively. This rapid pickup in institutional demand signals strengthening bullish sentiment, potentially supporting further upside for ETH in the near term if the trend persists.

‍

SOL Technical Analysis

Solana is currently trading at $185.24, showing minimal change (+0.05%) over the last 4 hours but holding near recent highs after a strong rally from $175 support. The market structure remains bullish, with SOL trading comfortably above all key EMAs.

Immediate resistance is at $186–$188, where a breakout could extend gains toward $192–$195.

Stochastic RSI is high (90.15), showing strong buying momentum but signaling a potential short-term cooldown if buyers lose steam.

The latest data shows that DEX trading volume has decreased compared to its peak in late 2024. Although still higher than 2023 levels, the recent downtrend suggests cooling market activity and reduced trading momentum in the decentralized space.

‍

Disclaimer:
This material is for general information and is not investment advice, a recommendation, or a solicitation to buy and sell any cryptocurrencies, digital assets, securities, or derivative instruments, or to make any investments. Any opinions or estimates are the best judgment of the research team as of the date of preparation and are subject to change without notice. Mobee is not obligated to update this report based on information and events that occurred after this report was created and published. Any suggestions or recommendations in this report may not be appropriate for certain users.