President Trump signed an order to open up cryptocurrency and private equity to 401(k) plans, but there's no guarantee they come rolling in.

Employers would have to decide to offer the plans — and experts anticipate many might be reluctant, as they could be held liable for losses.

Edward Gottfried, VP of Product at Betterment at Work, noted 401 (k) investment selection and management is governed by fiduciary rules, which require employers and advisors to review the investments to ensure they have fair fees and performance in line with general market returns.