According to a survey by the National Institute on Retirement Security published on August 26, 77% of Americans consider cryptocurrency a risky investment within 401(k) retirement plans, with 46% labeling it « very risky. » Additionally, 53% of respondents oppose their employer offering this option. The Trump administration reversed Biden-era guidance by issuing an executive order in August 2025, leading the Department of Labor to propose a regulatory framework in March 2026 favorable to digital assets in retirement plans. In reality, only 4% of 401(k) plans currently offer alternative investments, representing just 0.1% of total assets.
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