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401k

Policy Regula
2026-08-30 02:00:13

U.S. survey finds 53% oppose adding crypto to 401(k) retirement plans

A new survey from the National Institute on Retirement Security found that more than half of U.S. respondents oppose letting employers include cryptocurrency in workplace retirement savings plans such as 401(k)s. The poll showed 53% object to the idea, while 77% classify crypto as a high-risk asset and 46% describe it as extremely risky. The survey was completed by 1,203 adults age 25 and older between Oct. 24 and Nov. 14, 2025. The same research also pointed to broader anxiety around retirement security in the United States. Eighty percent of respondents said the country is facing a serious retirement crisis, up from 67% in a 2020 survey, and 61% said they are very concerned about lacking enough financial security after retirement. Inflation, market volatility and possible cuts to Social Security benefits were cited as major concerns. The report also examined the use of artificial intelligence in personal finance and found a clear generational divide. At the policy level, debate over whether 401(k) plans should include crypto and other alternative assets has continued in Washington, with Democratic lawmakers including Maxine Waters, Bernie Sanders and Elizabeth Warren raising objections.

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U.S. survey finds 53% oppose adding crypto to 401(k) retirement plans
United States
2026-08-26 16:44:33

Survey finds 77% of Americans see crypto in retirement plans as high risk

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.

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Survey finds 77% of Americans see crypto in retirement plans as high risk
Policy Regula
2026-08-26 16:35:34

NIRS survey finds 77% of Americans see crypto as risky in workplace retirement plans

A new survey from the National Institute on Retirement Security found broad skepticism toward cryptocurrency in workplace retirement plans in the United States. According to the poll, 77% of Americans said crypto in employer-sponsored retirement plans is risky, and 46% said it is very risky. Another 53% said they oppose employers offering cryptocurrency as an investment option. The survey was conducted by Greenwald Research between Oct. 24 and Nov. 14, 2025, and covered 1,203 Americans aged 25 and older. It also found deeper anxiety around retirement more broadly: 80% of respondents said the United States is facing a retirement crisis, up from 67% in 2020. In addition, 61% said they are worried about achieving financial security in retirement, 68% said preparing for retirement has become more difficult, and 77% said debt is preventing them from saving enough. The findings come as the Trump administration and federal regulators move to expand access to alternative assets in retirement accounts. The U.S. Department of Labor withdrew its earlier guidance in May 2025 that had urged 401(k) fiduciaries to exercise "extreme care" with crypto investments. Trump later signed an executive order on Aug. 7, 2025, directing the Labor Department and the Securities and Exchange Commission to consider easing restrictions. In March 2026, the Labor Department proposed draft rules to allow alternative assets in 401(k) plans, drawing opposition from senators including Bernie Sanders and Elizabeth Warren.

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NIRS survey finds 77% of Americans see crypto as risky in workplace retirement plans
cryptocurrenc
2026-08-26 16:10:56

Survey finds 77% of Americans see crypto in retirement plans as risky

A new survey from the National Institute on Retirement Security found deep skepticism among Americans toward including cryptocurrency in workplace retirement plans. The poll showed that 77% of respondents view crypto in retirement plans as risky, with 46% calling it very risky, while 53% oppose employers offering crypto as an investment option. The findings came as concern over retirement security remained elevated: 80% of respondents said the United States is facing a retirement crisis, up from 67% in 2020, and 61% said they worry about achieving financial security in retirement. Affordability pressures also weighed on sentiment, with 68% saying it is becoming harder to prepare for retirement and 77% saying debt keeps them from saving enough. At the same time, US policymakers have been moving in the opposite direction, widening access to alternative assets in 401(k) plans. The Trump administration and federal regulators have rolled back earlier cautionary guidance and proposed new frameworks that could make room for digital asset exposure in defined-contribution retirement accounts, drawing criticism from some lawmakers over volatility and investor protections.

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Survey finds 77% of Americans see crypto in retirement plans as risky