Guideline 401(k) crypto: does a Gusto plan allow it?

Gusto now runs the Guideline 401(k), which does not support crypto. Its full menu is made up of 40 Vanguard index funds and nothing else. There is no brokerage account for outside funds either, so a bitcoin fund cannot be added.

Quick look at crypto in a Guideline (Gusto) 401(k)

Does the plan include crypto?: NoYou get only a set list of basic funds
Annual cost to keep $10,000: Not availableExtra fees apply to the plan
Limit: Not available
Who holds it: Not available

Data comes from Guideline (Gusto)'s own page. See every 401(k) provider side by side to compare.

Inside a Guideline 401(k): the 40 funds

The 40 index funds from Vanguard on Guideline’s menu cover stocks from the US and abroad, bonds, real estate, and one money market fund. Yearly fees for each range from 0.04% to 0.16%. Crypto is not held by any of these funds.

From the same 40 funds, you can build your own or let Guideline choose a ready-made mix.

A laptop showing the investment menu of a workplace 401k plan, next to the enrollment booklet

Using crypto with an old Guideline 401(k)

After you have left the job, you can transfer the balance into an IRA that supports crypto. Request a direct rollover: the cash moves from Guideline right into the new IRA, so no tax is held back. See the rollover process and which crypto IRAs charge least.

Are you still employed there? You can move funds out while working only if your plan permits it; check in-service rollovers.

When your plan lacks these options, you can roll an old Guideline (Gusto) 401(k) into a crypto IRA: steps for rolling over · all crypto IRAs and their fees, compared