A new annual survey from the National Institute on Retirement Security found that 77% of respondents view cryptocurrency investments in workplace retirement plans, or 401(k)s, as risky. Within that group, 46% said such investments are "very risky," while 53% said they oppose employers offering crypto as an investment option in those plans. The survey was released on Aug. 26.
The findings arrive as US policy on digital assets in retirement plans remains under review. The Trump administration issued an executive order in August 2025 directing the Department of Labor to revisit its guidance on digital assets. In March 2026, the department proposed creating a safe harbor rule. Survey data also showed that alternative investments remain rare in 401(k) plans: only 4% of plans currently offer such options, and those allocations account for just 0.1% of assets.
A new annual survey from the National Institute on Retirement Security, or NIRS, found that 77% of respondents consider cryptocurrency investments in workplace retirement plans, known as 401(k)s, to be risky. Of that group, 46% said the risk was "very high."
Another 53% said they oppose employers offering crypto as an investment option in those plans. The survey was released on Aug. 26.
Alternative investments remain limited in 401(k) plans
The survey data showed that only 4% of 401(k) plans currently offer alternative investment options, and those allocations make up just 0.1% of assets.
Digital asset guidance is still being reviewed
Earlier, the Trump administration issued an executive order in August 2025 directing the US Department of Labor to revisit its guidance on digital assets. In March 2026, the department proposed creating a safe harbor rule.
The item was cited by CryptoBriefing and published in summary form by Techub.
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