Cryptocurrencies Included in Retirement Pensions: Over Half of Respondents Oppose

Crypto in retirement plans—would you accept it?
The National Institute on Retirement Security (NIRS) has released its latest survey. On retirement asset allocation, 53% of U.S. respondents clearly oppose employers including cryptocurrencies in workplace retirement savings plans such as a 401(k). Additionally, up to 77% of the public classify cryptocurrencies as high-risk assets, and as many as 46% consider them to be “extremely high-risk” instruments.

The survey questionnaire was completed by 1,203 participants. All respondents were adults aged 25 and over. The survey was conducted from 10/24 to 11/14 in 2025. The findings strongly confirm that the general U.S. public still maintains an extremely cautious and highly reserved defensive attitude toward placing volatile crypto assets into retirement savings accounts.

NIRS’ survey indicates that as many as 80% of Americans believe the country is facing a serious retirement crisis—far higher than the 67% reported in the 2020 survey. Among respondents, 61% also admitted that they are extremely worried about not being able to obtain adequate financial security after retirement.

The main reasons for concern are persistently high inflation (73%) and severe volatility in financial markets (62%). In addition, 76% of respondents worry that if Congress does not take action promptly, government social security and welfare programs may face the risk of being cut.$BTC #美國退休金