401(k) Meets Real Estate: What Agents Need to Know Before 2026
The real estate industry could be on the verge of a major shift. In August 2025, an executive order encouraged 401(k) providers to consider alternative assets like real estate, private equity, and other non-traditional investments. Although, it doesn’t require the plan to add real estate, it opens the door for new options and highlights the growing interest in using retirement accounts for investing in real estate.
Executive Order: Democratizing Access to Alternative Assets for 401(k) Investors
Summary
- Issued in August 2025 with the purpose of exploring ways 401(k) plans can include alternative assets such as real estate and private equity.
- Directs the Department of Labor (DOL) to review current rules and provide updated guidance within 180 days (by February 2026).
- Aims to make alternative investments more accessible and help diversify retirement portfolios.
- Does not require 401(k) plans to add these options but encourages providers to innovate and expand investment choices.
Why This Matters for Real Estate Professionals
Using retirement funds to invest in real estate isn’t new. It’s been possible for decades through Self-Directed IRAs, but many agents and investors aren’t aware of it. The recent executive order brings this option into the spotlight for 401(k) plans, signaling that retirement-focused real estate investing is becoming more mainstream.
Opportunities for growth
The impact of real estate entering 401(k)s extends beyond individual agents. If these plans begin to include property, it could influence how developers, property managers, and investment firms create and market real estate offerings.
Agents with experience in how real estate assets can be held in retirement accounts are well-positioned to serve a growing segment of clients. Many agents we work with have seen firsthand how Self-Directed IRAs allow investors to pursue larger and more complex deals.
Transfer or Roll Over — What’s Right for You?
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Bridging Policy and Practice
This new opportunity could unlock a new wave of capital for the real estate industry. Billions of dollars in retirement savings might flow into properties ranging from residential rentals to commercial developments. While the Department of Labor is expected to issue updated guidance by early 2026, the specific rules and structures are still unknown. For now, real estate professionals can position themselves by learning how retirement accounts work, understanding compliance basics, and familiarizing themselves with Self-Directed IRA investments in real estate. Agents who take the time now to build this knowledge will be ready to guide clients and capitalize on opportunities as soon as the guidelines are established.
The Path Forward
The executive order marks a real shift in retirement investing. It’s not just a trend—it could change how money flows into real estate for years to come. Investing retirement funds in property is similar to a standard deal, but these transactions must follow strict IRS and ERISA rules.
Agents should understand retirement accounts and the investment process to be ready to serve clients confidently, navigate compliance requirements, and advise on larger, portfolio-level transactions. Using IRAs for their own investments now gives them practical experience and a competitive advantage as the market grows.
Many large 401(k) providers are already preparing for this shift — are you ready to capitalize? Those who move early won’t just grow their business—they’ll help shape the future of retirement-focused real estate investing. Partnering with IRAR experts can help you to navigate the process with confidence. For more information, schedule a free consultation.
FAQs for Real Estate Agents
Do I need a special license to sell real estate to retirement accounts?
No—but you do need to understand IRS and ERISA rules. As a real estate agent, partnering with a custodian like IRAR can help you stay compliant.
Will this change happen right away?
No. The executive order sets the stage, but regulators and plan providers need time. The Department of Labor has 180 days from August 7, 2025 (so early February 2026) to review guidance and clarify rules. The SEC is also reviewing rules. Some companies are already exploring ways to offer these investments, so early movers may start testing products even before the rules are finalized.
How should real estate agents prepare now?
Start by learning how real estate investments in self-directed retirement accounts work and building a relationship with a trusted custodian like IRAR. This knowledge will set you apart when these opportunities grow.
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