How Trump’s Policies Are Quietly Reshaping Your Retirement Plans for 2026

Core Insights - The year 2025 has seen significant changes in American retirement planning due to the actions of the Trump administration [1][2] Group 1: Changes in Retirement Planning - An executive order issued on August 7, 2025, directs federal agencies to review guidance on including alternative assets like cryptocurrencies, private equity, and real estate in defined-contribution retirement plans such as 401(k) plans [3] - This development is viewed as one of the largest shifts in retirement planning in decades, allowing broader access to investments previously reserved for wealthy individuals [4] Group 2: Expert Opinions on Investment Strategies - Financial experts recommend a cautious approach to including alternative investments in retirement portfolios, suggesting a limit of 5%-10% exposure to mitigate risks [5] - Experts have noted that tariffs imposed by the Trump administration have negatively impacted retirees' purchasing power, particularly affecting those on fixed incomes [5][6] Group 3: Global Investment Strategies - In response to the weakening dollar due to changing trade policies, financial advisors are increasing international exposure in portfolios to hedge against currency risk and capitalize on global growth opportunities [6]