Cryptocurrency in Retirement Plans Sparks Concern for Most U.S. Citizens, NIRS Survey Reveals

NewsWed, 26 Aug 2026 18:27:45 UTC3 hours ago
Cryptocurrency in Retirement Plans Sparks Concern for Most U.S. Citizens, NIRS Survey Reveals

TL;DR

  • 77% of Americans consider cryptocurrency in workplace retirement plans risky, while 53% oppose employers offering it as an investment option.
  • Retirement insecurity is also rising, with 80% saying the U.S. faces a retirement crisis and 77% citing debt as a barrier to saving.
  • Federal policy is expanding access to alternative assets, creating a growing debate over how crypto can be included in retirement plans responsibly.

More than three-quarters of Americans view cryptocurrency in workplace retirement plans as risky, according to a National Institute on Retirement Security survey, highlighting a gap between public caution and Washington’s push to broaden access to alternative investments.

The NIRS survey found that 77% of respondents consider crypto in workplace retirement plans risky, including 46% who describe it as very risky. Meanwhile, 53% oppose employers offering crypto as an investment option. The findings arrive as retirement insecurity grows, with 80% saying the United States faces a retirement crisis.

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