401(k) Freedom: Open Private Investment for Everyday Workers

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For decades, the best wealth-building investments were reserved for Wall Street insiders and political elites—while hardworking Americans were locked out.

President Trump’s proposed 401(k) rule puts Main Street first.

This reform expands access to private credit, infrastructure, and real estate investments through 401(k) retirement plans, giving everyday Americans the same tools long enjoyed by elites and government pension funds to grow their savings and secure their future.

Today, most private-sector workers rely on a 401(k)—a tax-advantaged, employer-matched account meant to reward long-term saving. But outdated regulations and fear of lawsuits have limited investment options, holding workers back and reducing long-term growth.

This 401(k) proposal restores fairness by:

• Opening access to private markets
• Giving Main Street workers the same opportunities as institutional investors and public sector workers
• Strengthening retirement security through diversification and long-term growth
• Letting Americans—not Washington—decide how to invest their own money

Use the form below to submit a comment directly to the Department of Labor urging them to move forward with this important reform and protect financial freedom for working Americans.