Trump to Sign Decree Creating Retirement Accounts for Workers Without 401(k)s

President Donald Trump (R-US) will sign an executive decree to create retirement accounts for workers who do not have access to 401(k) plans ^[1].

This initiative targets a systemic gap in the U.S. labor market where millions of private-sector employees lack the institutional tools necessary for long-term financial security. By establishing a federal mechanism for savings, the administration seeks to reduce the disparity between corporate employees and those in smaller or non-traditional workplaces.

The announcement took place on Feb. 25, 2026, during the State of the Union address ^[2]. According to the administration, the decree will be signed shortly after the announcement to implement the new savings framework ^[2].

The plan is designed to offer a retirement instrument similar to those provided by large employers to workers who have been historically overlooked ^[3]. The goal is to provide these individuals with the same type of retirement plan that is typically offered to those in high-benefit corporate roles ^[3].

"To remedy this great disparity, I announce that next year, my administration will give these often forgotten American workers access to the same type of retirement plan that is offered," Trump said ^[3].

The decree focuses on the private sector, specifically targeting the millions of workers who are currently excluded from employer-sponsored retirement vehicles ^[1]. This move represents a shift toward federally facilitated savings for the independent and private workforce.