Bitcoin in 401(k) Plans: What to Know About the Investing Risks

Aug. 9, 2025, 3:00 PM UTC

Americans looking to supercharge 401(k)s may soon get the chance to invest in crypto, if they’re willing to stomach the risks.

President Donald Trump’s recent executive order clears the way for digital assets to be added to the mix of investments available in workplace retirement plans — and for ordinary investors dissatisfied with the returns from target-date funds or the traditional 60/40 portfolio to push their savings into riskier assets.

Read more: How Private Equity and Crypto Could Reshape 401(k)s

Still, many retirement experts and employers remain wary of crypto being in workplace plans like 401(k)s, citing volatility and potential employer liability as concerns.

Here are some issues ...

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