A new survey conducted by the National Institute on Retirement Security (NIRS) reveals that the vast majority of Americans remain skeptical about including cryptocurrencies in workplace retirement savings plans.
According to the findings, 77% of respondents consider allowing crypto as an investment option in retirement plans to be risky (46% said "very risky," and 31% said "somewhat risky").
Only 12% viewed it as not very risky or not risky at all.
When it comes to employer-sponsored offerings, 53% of Americans oppose employers offering cryptocurrency as an investment option in workplace retirement plans (33% strongly oppose, 20% somewhat oppose). In contrast, only 26% favor the idea.
These numbers reflect a deep-seated caution among the public regarding the volatility and unpredictability of digital assets compared to traditional investments like stocks and bonds—especially when it involves life savings that are not easily replaced.
Analysts suggest these results may put additional regulatory pressure on pension funds and employers to either keep crypto out of retirement portfolios or implement strict safeguards to protect retirees.