Crypto in retirement plans faces 53% opposition despite new US rules
Most Americans want nothing to do with cryptocurrency inside their 401(k). A new national survey shows that public resistance to crypto in retirement plans runs deep, even as federal regulators move to open the door wider for digital assets and other alternative investments in workplace savings accounts. The tension between what regulators are enabling and what savers actually want is shaping up to be one of the more consequential fights in retirement policy.
Key takeaways
- 53% of Americans oppose employers offering cryptocurrency in workplace retirement plans, according to the National Institute on Retirement Security.
- 77% consider crypto investments in retirement accounts risky, with 46% calling them “very risky.”
- 80% of respondents believe the US faces a retirement crisis, up sharply from 67% in 2020.
- The median retirement savings balance for American workers sits below $1,000, and only about 17% of workers have access to a traditional pension.
- The Labor Department rescinded guidance discouraging crypto in retirement plans in 2025, and a March 2026 proposal now sets rules for how fiduciaries can add alternative assets.
Widespread Public Opposition to Cryptocurrency in Retirement Plans
A majority of Americans simply don’t trust digital assets with their nest eggs. The National Institute on Retirement Security found that 53% of respondents opposed letting employers offer cryptocurrency as an investment option inside workplace retirement plans, a figure that signals resistance well beyond people who already dislike crypto on principle.
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