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Millions of Americans saving for retirement through 401(k) accounts could have the option of putting their money in higher-risk private equity and cryptocurrency investments. That's according to an executive order signed Thursday by President Donald Trump. His order could give those financial players long-sought access to a pool of funds worth trillions. There's no immediate change in how people invest part of their work earnings. Federal agencies would need to rewrite rules and regulations to allow the expanded choices, and that would take months or more to complete. New plans from employers could invest in alternative assets, particularly private equity, cryptocurrencies and real estate.