77% of Americans say crypto in retirement plans is risky

77% of Americans see crypto in retirement plans as risky, and 53% oppose its inclusion. Despite policy shifts expanding access, concerns about retirement security and digital assets persist.

A new national survey by the National Institute on Retirement Security shows that 77% of Americans view cryptocurrency in workplace retirement plans as risky, with 46% calling it "very risky." More than half—53%—oppose employers offering crypto as a retirement investment option. The survey also reveals broader concerns: 80% believe the US faces a retirement crisis, up from 67% in 2020, and 61% worry they will not be financially secure after retiring. Rising household costs and debt are making it harder for 68% of respondents to prepare for retirement. Despite these anxieties, recent policy changes have expanded access to alternative assets, including crypto, in retirement accounts. The Department of Labor has adopted a neutral stance on crypto in 401(k) plans. However, public skepticism about digital assets in retirement portfolios remains strong.