A new survey from the National Institute on Retirement Security found broad public resistance in the United States to including cryptocurrency in retirement savings plans. According to the poll, 77% of respondents said crypto in retirement plans is risky, including 46% who called it very risky. Another 53% said they oppose employers offering cryptocurrency investment options.
The survey also pointed to deeper anxiety around retirement security. Eighty percent of respondents said the U.S. is facing a retirement crisis, up from 67% in 2020, while 61% said they worry they will not have financial security in retirement. Nearly half of Americans reported having less than $100,000 in retirement savings, and 18% said they have no savings at all.
The findings come even as U.S. policy has shifted. The Labor Department withdrew its earlier guidance in May 2025 that had urged “extreme care” around adding crypto to 401(k) plans, and President Donald Trump signed an executive order in August 2025 directing that retirement plans be allowed to invest in alternative assets, including crypto funds. Even so, public acceptance remains limited, and 84% of respondents said Washington policymakers do not understand their retirement struggles.
A new survey from the National Institute on Retirement Security, or NIRS, found that most Americans do not want their retirement money tied to cryptocurrency.
In the survey, 77% of respondents said including crypto in retirement plans is “risky,” with 46% describing it as “very risky.” Another 53% said they oppose employers offering cryptocurrency investment options.
Retirement concerns remain high
The survey also found that 80% of Americans believe the United States is facing a retirement crisis, up from 67% in 2020. At the same time, 61% said they are concerned they will not have financial security in retirement.
On savings, nearly half of Americans reported having less than $100,000 saved for retirement, while 18% said they have no savings at all.
Policy shifts have not changed public sentiment
The findings come despite policy changes in Washington. The U.S. Department of Labor withdrew its earlier guidance in May 2025 that had called for “extreme care” when adding cryptocurrency to 401(k) plans. In August 2025, President Donald Trump signed an executive order requiring retirement plans to be allowed to invest in alternative assets, including crypto funds.
Even so, public acceptance remains low. The survey found that 84% of respondents believe policymakers in Washington do not understand the retirement challenges they face.
The report was cited by BeInCrypto and published by Techub.
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