Survey: 77 per cent of Americans consider the retirement plan to have a high risk of encrypted currency

On August 27, a recent survey by the National Institute of Pensions (NIRS) of the United States found that 77 per cent of Americans felt that there was a risk of incorporating encrypted currency into their workplace retirement plans, with 46 per cent saying that the risk was "very high" ; and 53 per cent of respondents opposed the offer of encrypted money investment. According to the survey, American concerns about retirement security are on the rise, with 80 per cent of respondents saying that the United States is facing a "retired crisis", up significantly from 67 per cent in 2020; 61 per cent fearing their own financial security after retirement, 68 per cent say that savings are becoming more difficult for retirement, and 77 per cent say that debt affects their ability to save. The survey, which was conducted by Greenwald Research from 24 October to 14 November 2025, surveyed 1203 Americans aged 25 and over. At the same time, the United States Government and its regulatory agencies are promoting the expansion of the allocation of pension accounts, such as 401 (k), to encrypted currencies and other alternative assets. The United States Department of Labor introduced rules in March this year that provide a potential safe haven for 401 (k) to include alternative assets, but the plan was opposed by some Democrats who consider encrypted assets to be highly volatile and investor protection inadequate. This means that, at the policy level in the United States, access to pension funds for the allocation of encrypted assets is gradually being eased, but ordinary investors remain cautious about their risks。