Americans remain cautious about putting cryptocurrency into their workplace retirement accounts.
A National Institute on Retirement Security survey found that 77% of respondents consider crypto risky. Nearly half, or 46%, called it very risky. More than half of those surveyed, 53%, also said employers should not offer crypto as a retirement investment option.
The concerns come at a difficult time for Americans trying to prepare for retirement.
Retirement Savings Remain a Concern
Four in five respondents said the US is facing a retirement crisis. That figure has risen from 67% in 2020. The survey also found that 61% are worried about having enough money to remain financially secure after retirement.
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For many households, saving has become harder. Sixty-eight percent said preparing for retirement has become more difficult, while 77% identified debt as a barrier to putting money aside.
That leaves little appetite among many workers for an asset class known for large price swings.
Washington Takes a Different Approach
US policymakers have been moving toward broader access to alternative investments in retirement accounts.
The Labor Department withdrew its earlier crypto guidance in 2025. Trump later signed an executive order directing federal agencies to support greater access to alternative assets through 401(k) plans.
In March 2026, the department proposed rules covering how retirement-plan fiduciaries should assess alternative investments, including their fees, liquidity, valuation and performance.
The rules do not tell employers to offer crypto. They would instead give retirement plans more guidance when deciding whether alternative investments are suitable.
That leaves a clear gap between Washington’s push for more investment choices and workers’ concerns about crypto risk.
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