Most Americans Reject Crypto in Retirement Plans Amid Growing Concerns About Risk

A new survey conducted by Greenwald Research has found that most Americans are opposed to adding cryptocurrency to their workplace retirement plans. The poll, which included 1,203 US residents aged 25 and older, found that 53% of respondents oppose employers offering crypto as an investment option.

The survey also revealed that 77% of respondents view crypto in retirement accounts as risky, with 46% calling it 'very risky'. This sentiment is reflected in the broader concern about retirement security, with 80% of respondents saying the country faces a retirement crisis, up from 67% in 2020.

Despite this caution, federal policy has trended towards allowing more crypto in retirement accounts. In May 2025, the Department of Labor withdrew guidance that discouraged fiduciaries from adding crypto to plan menus, and in March 2026, the department proposed a new rule for reviewing alternative assets, including crypto.

Senators Bernie Sanders and Elizabeth Warren, along with Representative Bobby Scott, have asked the department to withdraw the proposal, citing concerns about volatility and fraud without adequate protections.