Americans have mixed views on cryptocurrency in retirement plans. Experts recommend limiting crypto assets to less than 5% of retirement portfolios, with BlackRock suggesting a maximum 2% allocation. Major institutional investors, such as public pension fund CalPERS, are turning to Bitcoin through regulated ETFs or sector-related companies. Bitcoin’s frequent volatility and prolonged bear markets raise questions about its suitability for people approaching retirement. Bill Bengen, creator of the 4% rule, emphasizes the importance of capital preservation in retirement strategies.
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