Americans Overwhelmingly Oppose Crypto in Retirement Plans Despite Growing Federal Support

A new survey has found that most Americans are opposed to adding cryptocurrency to their workplace retirement plans. The National Institute on Retirement Security conducted a poll between October 24 and November 14, 2025, which included 1,203 US residents aged 25 and older.

The results showed that 53% of respondents opposed employers offering crypto as an investment option in retirement accounts. Additionally, 77% of respondents viewed crypto in retirement plans as risky, with 46% calling it very risky.

Despite public caution, federal policy has trended toward allowing more crypto in retirement accounts. The Department of Labor withdrew guidance that discouraged fiduciaries from adding crypto to plan menus in May 2025. In March 2026, the department proposed a new rule for reviewing alternative assets, including crypto, which would set standards for fiduciaries to follow and reduce legal risk.

Democratic lawmakers have asked regulators to withdraw a proposal easing crypto access in retirement accounts, citing concerns about volatility and fraud without adequate protections. The proposal remains open to public comment and can be revised or finalized after the process ends.