Majority Of Americans Oppose Crypto In Retirement Plans

A new national survey has found that a majority (53%) of Americans oppose employers offering cryptocurrencies in workplace retirement plans.

The same survey found that 77% of respondents view cryptocurrencies such as Bitcoin (CRYPTO: $BTC) as risky investments.

The National Institute on Retirement Security reported in its survey that 46% of respondents considered cryptocurrencies in workplace retirement plans “very risky.” 

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Opposition to workplace crypto options extended beyond respondents who viewed digital assets as risky. 

According to the institute, 53% of people do not support employers offering cryptocurrency of any kind as an investment choice in their retirement plans.

Public concern about digital assets that also include Ethereum (CRYPTO: $ETH) and Solana (CRYPTO: $SOL) emerged alongside deeper anxiety over America’s retirement system. 

The survey found that 80% of Americans believe the country faces a retirement crisis, compared with 67% of people who said the same in 2020. 

Another 61% of poll respondents said they were worried about achieving financial security in their retirement. Costs and debt also affected how respondents viewed their ability to save.

According to the report, 68% of people said preparing for retirement has become harder, while 77% said debt prevented them from putting aside money for their future.

Earlier this year, a U.S. Federal Reserve survey found that only 10% of U.S. adults used or held cryptocurrency in 2025, up from 7% in 2024 but still firmly in the minority. 

The Trump administration has moved forward with plans to open private sector retirement plans up to owning cryptocurrencies despite concerns. 

The U.S. Government Accountability Office has described crypto as having unique volatility and said reliable methods for projecting their future returns remains limited.

Bitcoin, the largest cryptocurrency by market capitalization, is trading at $78,475 U.S. on Aug. 26.