US Adults Overwhelmingly See Crypto in Retirement Plans as Risky

A recent survey by the National Institute on Retirement Security found that nearly eight in ten US adults consider adding crypto to workplace retirement plans as risky, contradicting the Trump administration's push for wider access to alternative assets.

The survey, conducted among 1,203 Americans aged 25 and older from October 24 to November 14, 2025, revealed that 77% of respondents deemed including crypto in employer-sponsored retirement plans as 'very risky.'

This sentiment is mirrored by concerns over retirement preparedness, with 80% of respondents agreeing that the US faces a retirement crisis, up from 67% in 2020.

The Trump administration's stance on expanding access to alternative assets, including digital assets, has been met with skepticism, particularly given the volatility of crypto. In June 2026, Senators Bernie Sanders and Elizabeth Warren and Representative Bobby Scott urged the Labor Department to withdraw a proposed rule outlining how 401(k) fiduciaries could include alternative assets in investment lineups.