Pros and Cons: Should Everyday Savers Consider Private Equity or Crypto in Retirement Plans?

President Donald Trump signed an executive order in August 2025 that allows 401(k) investors to access alternative assets for better returns and diversification. This includes private equity, crypto, real estate, private credit and commodities. While that’s a good thing, it raises a fair question: should regular savers consider these options or stick with traditional investments? To make an informed decision, here are the pros and cons of adding alternative investments to a retirement plan. Pros of Alt ...