A new survey from the National Institute on Retirement Security found that most Americans remain wary of adding cryptocurrency to workplace retirement plans. According to the poll, 77% of respondents said including crypto in such plans is risky, and 46% described that risk as "very high." Another 53% said they oppose employers offering crypto investment options.
The findings come as concerns about retirement security continue to climb. The survey showed that 80% of respondents believe the U.S. is facing a "retirement crisis," up from 67% in 2020. In addition, 61% said they are worried about their own financial security in retirement, 68% said saving for retirement is getting harder, and 77% said debt has hurt their ability to save.
The poll was conducted by Greenwald Research from Oct. 24 to Nov. 14, 2025, among 1,203 Americans aged 25 and older. At the same time, U.S. officials and regulators are working to widen access for 401(k) and other retirement accounts to invest in crypto and other alternative assets. In March this year, the U.S. Department of Labor proposed a rule that could create a potential safe harbor for including alternative assets in 401(k) plans, though some Democratic lawmakers opposed the move, citing crypto volatility and limited investor protections.
According to BlockBeats, a new survey from the National Institute on Retirement Security, released on Aug. 27, found that 77% of Americans believe it is risky to include cryptocurrency in workplace retirement plans. Within that group, 46% said the risk is "very high," while 53% of respondents said they oppose employers offering crypto investment options.
Retirement anxiety is rising
The survey also showed broader concern about retirement security in the United States. It found that 80% of respondents believe the country is facing a "retirement crisis," up from 67% in 2020. Another 61% said they are worried about their own financial security after retirement, 68% said saving for retirement is becoming more difficult, and 77% said debt has affected their ability to save.
Survey timing and sample size
The poll was conducted by Greenwald Research between Oct. 24 and Nov. 14, 2025, and surveyed 1,203 Americans aged 25 and older.
Policy push meets cautious public sentiment
At the same time, the U.S. government and regulators are pushing to expand channels for 401(k) plans and other retirement accounts to allocate funds to cryptocurrency and other alternative assets. In March this year, the U.S. Department of Labor proposed related rules that could provide a potential safe harbor for adding alternative assets to 401(k) plans. The proposal has faced opposition from some Democratic lawmakers, who argue that crypto assets are highly volatile and that investor protections remain insufficient.
The survey points to a gap between the policy direction and public sentiment: access to crypto in retirement accounts is gradually being loosened at the policy level, while ordinary investors remain cautious about the risks.
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