Financial author Robert Kiyosaki has publicly supported a policy by Donald Trump's administration to permit alternative assets, including cryptocurrencies, within 401(k) retirement plans. Kiyosaki stated the move empowers individuals to build wealth outside of traditional financial systems, prompting him to increase his own investments in Bitcoin and Ethereum.
The endorsement comes after an executive order signed in August by President Trump, which established a framework for retirement plan administrators to offer digital assets. Kiyosaki views this as a crucial step for workers to protect their savings from inflation and market volatility.
Key Takeaways
- Robert Kiyosaki voiced strong support for a Trump administration policy allowing cryptocurrencies in 401(k) retirement accounts.
- In August, President Trump signed an executive order creating the framework for this change.
- Kiyosaki is increasing his personal holdings of Bitcoin, Ethereum, precious metals, and other alternative assets.
- He has criticized traditional investment models, stating the 60/40 stock and bond portfolio is outdated.
- The broader crypto market has grown significantly, with its total capitalization reaching $3.9 trillion.
Kiyosaki Endorses New Retirement Plan Framework
Robert Kiyosaki, author of the best-selling book "Rich Dad Poor Dad," has expressed his approval of a recent policy change regarding retirement savings. In a social media post on the platform X, he commended Donald Trump for what he described as challenging the established financial order.
Kiyosaki argued that conventional 401(k) plans, which are heavily weighted toward stocks and bonds, no longer offer adequate protection for workers. He believes these traditional investment vehicles have failed to shield savers from the effects of inflation and market instability.
Background on the Policy Change
In August 2025, President Donald Trump signed an executive order that directs regulatory bodies to create frameworks for 401(k) plan administrators. The goal is to allow them to include alternative assets, such as cryptocurrencies, real estate, and precious metals, as investment options for savers.
According to Kiyosaki, this initiative provides a pathway for both employees and entrepreneurs to build substantial wealth. He emphasized that it opens up portfolio diversification to a wider audience, particularly those who operate outside the influence of Wall Street.
Trump Administration's Approach to Digital Assets
The recent executive order is part of a broader series of actions from the Trump administration that have been perceived as friendly to the cryptocurrency industry. Since taking office, the administration has taken several steps to integrate digital assets into the mainstream financial system.
These actions include the appointment of regulators who have expressed positive views on the potential of cryptocurrencies. Additionally, the administration dissolved a Department of Justice enforcement unit that was specifically focused on the digital asset sector.
"Kiyosaki noted that this will help both employees and entrepreneurs build real wealth," reflecting his belief that the policy expands financial opportunities beyond traditional markets.
The administration's approach aims to foster innovation while establishing clear rules for the growing digital asset market. The inclusion of crypto in 401(k)s is seen by supporters as a significant move toward legitimizing these assets as long-term investments.
Kiyosaki’s Strategy Against 'Fake Money'
Kiyosaki has long been a vocal critic of traditional fiat currencies, which he often refers to as "fake money." His investment philosophy centers on acquiring hard assets as a hedge against the declining purchasing power of currencies like the U.S. dollar.
His stance is supported by recent economic data. In 2025, the U.S. dollar has seen its value decrease by nearly 10% when compared to other major global currencies. This decline has led many investors to seek alternatives to preserve their wealth.
Kiyosaki's Bitcoin Goal
The 78-year-old investor has set an ambitious personal goal to accumulate 100 BTC by the end of the year. He has also made a long-term price prediction, suggesting that Bitcoin could reach $1 million per coin by 2035.
As part of his strategy, Kiyosaki announced plans to continue buying more Bitcoin (BTC) and Ethereum (ETH). His portfolio of alternative assets also includes:
- Gold
- Silver
- Oil
- Cattle
- Real Estate
He argues that these tangible and digitally scarce assets offer superior protection against economic uncertainty compared to paper assets.
Rethinking Traditional Portfolio Models
The financial educator has also challenged long-standing investment advice. Last week, Kiyosaki declared that the traditional 60/40 portfolio allocation model—60% in stocks and 40% in bonds—"died decades ago."
He contends that this once-reliable strategy is no longer effective in the current economic environment. Instead, he advocates for a portfolio heavily weighted toward alternative assets, which he believes are essential for achieving genuine financial independence.
This perspective is gaining traction as more investors look beyond public markets. The broader cryptocurrency market has experienced significant growth, surging 78% over the past year. At the time of writing, the total market capitalization of all cryptocurrencies stood at approximately $3.9 trillion.
Many market analysts suggest that the increased regulatory clarity and growing institutional adoption could signal a favorable entry point for investors. The discussion around including assets like Bitcoin and Ethereum in retirement plans highlights a major shift in how investors are preparing for the future.
