{"id":67628,"date":"2026-01-14T06:31:31","date_gmt":"2026-01-14T06:31:31","guid":{"rendered":"https:\/\/dogewisperer.com\/?p=67628"},"modified":"2026-01-14T06:31:31","modified_gmt":"2026-01-14T06:31:31","slug":"bitwise-cio-defends-bitcoin-in-401ks-amid-sen-warrens-new-warning","status":"publish","type":"post","link":"https:\/\/dogewisperer.com\/?p=67628","title":{"rendered":"Bitwise CIO Defends Bitcoin In 401(k)s Amid Sen. Warren\u2019s New Warning"},"content":{"rendered":"
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While a senator presses the Securities and Exchange Commission (SEC) against Bitcoin (BTC) and other cryptocurrencies in 401(k) plans, Bitwise\u2019s CEO has defended the Trump administration\u2019s push to allow digital assets\u2019 inclusion in retirement funds.<\/p>\n

Hougan Slams Bitcoin Restrictions In 401(k)s<\/h2>\n

On Monday, Bitwise CIO Matt Hougan discussed<\/a> whether 2026 will be the year investors can own Bitcoin and other cryptocurrencies in 401(k) plans, as the inclusion of digital assets is becoming more common in individual retirement accounts (IRAs).<\/p>\n

In an interview, the executive argued that providers are \u201cslow to move,\u201d but noted that the Trump administration\u2019s pro-crypto shift<\/a>, which removed \u201cwhat was effectively a ban on Bitcoin from 401(k)s,\u201d has opened the doors.<\/p>\n

Hougan pointed out that large firms like Vanguard had strong restrictions but have recently relaxed their stance on Bitcoin investments. He argued that these bans are \u201cridiculous,\u201d calling BTC \u201cjust another asset\u201d that is no more volatile than stocks, such as those of Nvidia.<\/p>\n

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Does it go up and down? Absolutely. Is there risk in it? Absolutely. But it\u2019s actually less volatile over the last year than Nvidia stock. And you don\u2019t see any rules about banning 401k providers from offering Nvidia stock. That\u2019s not that would seem ridiculous.<\/p>\n<\/blockquote>\n

Recent K33 Research data showed<\/a> that Bitcoin recorded the least volatile year in the asset\u2019s history in 2025. Notably, BTC registered its lowest volatility level last year, with just 2.24%.<\/p>\n

\u201cSo, I don\u2019t know if the 401(k) providers will get all the way to the point of actually putting it in this year. These are very slow moving institutions, but we\u2019re moving in that direction and eventually it\u2019ll be normalized like other assets, which is how it should be treated,\u201d he concluded.<\/p>\n

Senator Warren Issues New Warning<\/h2>\n

Bitwise CEO\u2019s remarks came as Democratic Senator Elizabeth Warren reached<\/a> out directly to SEC chairman Paul Atkins to question how the Commission intends to protect investors from potential financial risks now that crypto investments are allowed in retirement plans.<\/p>\n

As reported<\/a> by Bitcoinist, the Department of Labor (DOL) rescinded in May a 2022 guidance that discouraged fiduciaries from including cryptocurrency investments in 401(k) retirement plans.<\/p>\n

Months later, US President Donald Trump signed an Executive Order (EO) that aimed to allow more private equity, real estate, cryptocurrency, and other alternative assets in 401(k) retirement accounts.<\/p>\n

The EO, signed on August 7, 2025, directed the DOL and the SEC to reduce regulatory barriers that prohibited investments in alternative assets in their defined contribution retirement plans.<\/p>\n

In a new letter, the anti-crypto senator shared her concerns, cautioning that allowing Bitcoin and other crypto assets into these accounts could enable significant risks. She listed the \u201cvolatility associated with cryptocurrencies, the lack of market transparency, and potential conflicts of interest\u201d as reasons to be cautious about introducing these assets into retirement plans.<\/p>\n

She also emphasized that 401(k) plans are a vital source of retirement security for most Americans. Therefore, they should not be treated as a \u201cplayground for financial risk\u201d that could put investors in vulnerable positions.<\/p>\n

Despite Warren\u2019s warnings, multiple US lawmakers have supported the Trump Administration\u2019s efforts. In September, nine House members asked Atkins to provide \u201cswift assistance\u201d in implementing the president\u2019s executive order and work with the DOL to protect workers.<\/p>\n

Later, House of Representatives member Troy Downing proposed<\/a> a bill to codify Trump\u2019s directive, giving \u201cthe force and effect of law\u201d and making it easier for investors to access Bitcoin and other alternative assets in their 401(k) retirement plans.<\/p>\n

\"bitcoin,<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

While a senator presses the Securities and Exchange Commission (SEC) against Bitcoin (BTC) and other cryptocurrencies in 401(k) plans, Bitwise\u2019s CEO has defended the Trump administration\u2019s push to allow digital assets\u2019 inclusion in retirement funds. Hougan Slams Bitcoin Restrictions In 401(k)s On Monday, Bitwise CIO Matt Hougan discussed whether 2026 will be the year investors […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":0,"footnotes":""},"categories":[2],"tags":[3,4,5],"class_list":["post-67628","post","type-post","status-publish","format-standard","hentry","category-news","tag-crypto","tag-doge","tag-news"],"_links":{"self":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/67628","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=67628"}],"version-history":[{"count":0,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=\/wp\/v2\/posts\/67628\/revisions"}],"wp:attachment":[{"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=67628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=67628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dogewisperer.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=67628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}