💰(( Bitcoin in US 401(k) Retirement Plans Could Push BTC to $200K by 2025



The United States may be on the verge of a historic Bitcoin adoption milestone. Following President Donald Trump’s executive order on August 7, Americans can now gain exposure to cryptocurrencies in their 401(k) retirement plans — a move experts say could catapult Bitcoin’s price to $200,000 by the end of 2025.

According to André Dragosch, Head of European Research at Bitwise Asset Management, this development may be even bigger than the approval of US spot Bitcoin ETFs earlier this year.

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📊 Why 401(k) Integration Matters

Massive Market Size: The US 401(k) and defined-contribution retirement plan industry is valued at $12.2 trillion.

Huge Capital Unlock: Even a modest 1% allocation could mean an influx of $122 billion into Bitcoin.

Potential Ripple Effect: Portfolio managers may go beyond 1%, with many more likely to recommend a 2.5–3% allocation.

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🚀 Bigger Than ETFs?

Dragosch argues that crypto in 401(k) plans could be more transformative than ETFs:

Retirement portfolios are long-term by nature, encouraging sustained Bitcoin demand.

Capital inflows from retirement plans may dwarf spot ETF flows, providing stronger price support.

A conservative projection still places Bitcoin at $200,000 before year-end 2025.

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🏦 Role of the Federal Reserve

Timing couldn’t be better. The first wave of 401(k) Bitcoin inflows is expected this fall, coinciding with:

📉 Fed Interest Rate Cuts: Lower rates historically boost risk assets like Bitcoin.

📈 Liquidity Growth: Cheaper borrowing and stronger inflows could drive BTC to new all-time highs.

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