Survey shows 77% of Americans view cryptocurrency as too risky for retirement savings amid regulatory shifts.
A new survey reveals 77% of Americans consider cryptocurrency investments in retirement plans risky. The finding contrasts with recent federal moves to expand access to alternative assets, including digital currencies, in 401(k) accounts.
In May 2025, the US Department of Labor reversed guidance that had urged caution on crypto in retirement plans, adopting a neutral stance. President Donald Trump later signed an executive order in August 2025 directing regulators to facilitate broader access to alternative investments, including digital assets, in defined-contribution plans.
Despite regulatory easing, skepticism persists among investors. Bernstein analysts project Bitcoin could reach $125K by late 2026, but the survey highlights lingering concerns over volatility and suitability for retirement portfolios.