Dec. 16 at 8:27 PM
Cryptocurrency is slowly moving toward inclusion in retirement plans as U.S. regulators signal greater openness, but employers remain cautious due to fiduciary risk, volatility, and regulatory uncertainty. While the Department of Labor has softened its stance, responsibility now rests with plan sponsors, many of whom are reluctant to add crypto directly to 401(k) menus.
For now, the only practical way to gain crypto exposure inside a 401(k) is through a self-directed brokerage account, which allows access to crypto-related ETFs outside the core plan lineup. These accounts offer flexibility but come with higher fees and greater personal responsibility. Industry experts expect widespread adoption of crypto in standard 401(k) options to remain years away. Investors interested today are advised to keep allocations small, focus on large, established ETFs, and remember that retirement investing prioritizes discipline and long-term stability over speculation
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