How soon will crypto creep into your 401(k)? New rules being explored now

Susan Tompor | Detroit Free Press | September 18th, 2025

As if deciding how to invest 401(k) money isn’t perplexing enough, we soon could be staring down some ridiculously overwhelming new options — including whether to buy bitcoin or turn to private equity as a way to juice up retirement returns.

The U.S. Securities and Exchange Commission, the Labor Department and the Treasury are tasked now with working out regulatory details for paving the way for alternative investments, including cryptocurrency, to be offered in 401(k) plans.

Sam Huszczo, a chartered financial analyst and founder of SGH Wealth Management in Southfield, said many people will need to move carefully if they want to select any alternative investments for their 401(k) plan once those options are offered.

When it comes to private equity deals that could show up in your 401(k), Huszczo warns that many of those deals likely will be offerings that were that rejected by nearly every single billionaire in America. Think of some offerings as “the scrap heap” of rejects.

No one, of course, is financially clairvoyant when it comes to the crypto story, private equity offerings or the odds for any other alternative investments might pop into your 401(k) plan. Putting any money in these types of investments will be new to most people, but old advice remains truer than ever: Buyer beware.