Fact Finders: Will crypto be added to my 401(k)?

SPRINGFIELD, Mo. (KY3) – Millions of Americans saving for retirement through 401(k) accounts could eventually have the option to put their money in higher-risk cryptocurrency investments.

The option is part of an executive order recently signed by the president.

Crypto is more popular among young Americans. It can also be volatile, moving up or down 10% in price in a single day. Our viewer Mel wants to know, will my 401k plan just add crypto to my investment portfolio?

Charles Schwab defines cryptocurrency as a form of digital currency. The coins function independent of any government or central bank. For now, there’s no change in how you’ll invest part of your work earnings.

Federal agencies would need to rewrite rules and regulations to allow the expanded choices. And that may take months or longer to complete. Once it clears those hurdles, you will have a choice.

“My firm belief is that companies are going to take a very conservative stance to this and give people a lot of options so that if they aren’t comfortable with certain parts of a fund that they can avoid those if they want to,” explained Stephen Kates of Bankrate. “A company is gonna make every effort to make sure that there’s education given to employees about exactly what they’re gonna own to try to cover their bases.”

Coming back to Mel’s question; will my 401k plan just add crypto to my investment portfolio? The answer is NO. Just like now, you will have a choice on which types of investments you want in your 401k.

We’ll stream our longer conversation with Stephen on Thursday. We discussed private equity, real estate investments, Roth conversion and the future of social security. We’ll air that talk at 5:30 PM on our streaming channels. The KY3 streaming app is available on Roku, FireTV, and AppleTV.

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