{"id":12438,"date":"2026-08-27T05:01:13","date_gmt":"2026-08-27T05:01:13","guid":{"rendered":"https:\/\/cryptonews.uk.com\/?p=12438"},"modified":"2026-08-27T05:01:13","modified_gmt":"2026-08-27T05:01:13","slug":"americans-reject-crypto-in-retirement-plans-as-77-call-it-risky","status":"publish","type":"post","link":"https:\/\/cryptonews.uk.com\/?p=12438","title":{"rendered":"Americans Reject Crypto in Retirement Plans as 77% Call It Risky"},"content":{"rendered":"

<\/p>\n

\n
\n
\n
    \n
  • 80% of Americans say the US faces a retirement crisis, up from 67% in 2020.<\/span><\/li>\n
  • Inflation, debt and market volatility are making retirement saving harder for millions.<\/span><\/li>\n
  • Americans are curious about AI for money management but remain wary of financial advice from it.<\/span><\/li>\n
  • Crypto gets a chilly reception, with 53% opposing it in workplace retirement plans and 77% calling it risky.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n

    Retirement is looking less like a golden age and more like a financial headache for millions of Americans.<\/p>\n

    A new survey from the National Institute on Retirement Security (NIRS) found that 80% of Americans believe the US is facing a retirement crisis, up from 67% in 2020. More than six in ten also worry they won\u2019t be financially secure when they stop working.<\/p>\n

    And the squeeze isn\u2019t just about markets. Inflation is the biggest concern, cited by 73% of respondents, while 62% point to market volatility. Debt is another big drag, with 77% saying it gets in the way of saving enough for retirement.<\/p>\n

    That\u2019s a grim backdrop for anyone trying to build a nest egg.<\/p>\n

    AI Gets a Cautious Thumbs-Up<\/h2>\n

    Americans aren\u2019t exactly handing their retirement accounts over to robots either.<\/p>\n

    Although 63% have used an AI tool, 61% haven\u2019t used AI for questions about investments, finances or retirement. Nearly half are uncomfortable with AI providing financial advice.<\/p>\n

    Still, there\u2019s interest in using it for more practical jobs. Budgeting was the most popular potential use, followed by investing and retirement planning. So people seem happy for AI to help with the maths \u2013 just don\u2019t let it make the big calls yet.<\/p>\n

    \"\"\"\"
    Americans have mixed views of crypto in retirement plans, source: NIRS<\/figcaption><\/figure>\n

    Crypto gets an even colder reception. A majority, 53%, oppose employers offering cryptocurrency through workplace retirement plans. Overall, 77% view crypto in these plans as risky, including 46% who consider it very risky.<\/p>\n

    Read also:<\/strong> US Community Banks Unite to Build Nationwide Blockchain Network<\/strong><\/p>\n

    The Retirement Maths Isn\u2019t Pretty<\/h2>\n

    There\u2019s also a sizeable knowledge gap around retirement savings. Nearly half of respondents have less than US$100,000 (AU$139,231) saved, while 18% have nothing put away at all. More than half didn\u2019t start saving until they were at least 30.<\/p>\n

    Perhaps more revealing: only 9% correctly estimated the annual income that US$100,000 in retirement savings might generate using a commonly used withdrawal guideline.<\/p>\n

    Workers are also placing more value on retirement benefits when choosing jobs. Three-quarters say they\u2019re a very or extremely important factor, while 41% say they\u2019ve become more important over the past year.<\/p>\n

    Read more:<\/strong> Bitcoin ETFs Extend Inflow Streak to Seven Days as Weekly Surge Tops $2.5B<\/strong><\/p>\n

    Pensions remain particularly popular, too. Seventy-six per cent view them favourably, and 69% believe pensions do more than plans such as 401(k)s to provide retirement security.<\/p>\n

    The survey covered 1,203 Americans aged 25 and over, with interviews conducted between 24 October and 14 November 2025. For crypto, the message is pretty clear: retirement savers have enough uncertainty already. Adding Bitcoin to the mix isn\u2019t winning many fans just yet.<\/p>\n<\/p><\/div>\n

    AI,Cryptocurrency,United States#Americans #Reject #Crypto #Retirement #Plans #Call #Risky1787806873<\/p>\n","protected":false},"excerpt":{"rendered":"

    80% of Americans say the US faces a retirement crisis, up from 67% in 2020. Inflation, debt and market volatility are making retirement saving harder for millions. Americans are curious about AI for money management but remain wary of financial advice from it. Crypto gets a chilly reception, with 53% opposing it in workplace retirement<\/p>\n","protected":false},"author":1,"featured_media":12439,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[2540,2060,62,586,4760,63,1872],"class_list":["post-12438","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bitcoin","tag-americans","tag-call","tag-crypto","tag-plans","tag-reject","tag-retirement","tag-risky"],"yoast_head":"\nAmericans Reject Crypto in Retirement Plans as 77% Call It Risky - Crypto News: Latest Cryptocurrency News and Analysis<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptonews.uk.com\/?p=12438\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Americans Reject Crypto in Retirement Plans as 77% Call It Risky\" \/>\n<meta property=\"og:description\" content=\"80% of Americans say the US faces a retirement crisis, up from 67% in 2020. Inflation, debt and market volatility are making retirement saving harder for millions. Americans are curious about AI for money management but remain wary of financial advice from it. Crypto gets a chilly reception, with 53% opposing it in workplace retirement\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptonews.uk.com\/?p=12438\" \/>\n<meta property=\"og:site_name\" content=\"Crypto News: Latest Cryptocurrency News and Analysis\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-27T05:01:13+00:00\" \/>\n<meta name=\"author\" content=\"\u884c\u653f\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u884c\u653f\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cryptonews.uk.com\/?p=12438\",\"url\":\"https:\/\/cryptonews.uk.com\/?p=12438\",\"name\":\"Americans Reject Crypto in Retirement Plans as 77% Call It Risky - Crypto News: Latest Cryptocurrency News and Analysis\",\"isPartOf\":{\"@id\":\"https:\/\/cryptonews.uk.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/cryptonews.uk.com\/?p=12438#primaryimage\"},\"image\":{\"@id\":\"https:\/\/cryptonews.uk.com\/?p=12438#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cryptonews.uk.com\/wp-content\/uploads\/2026\/08\/crypto-retire.jpg\",\"datePublished\":\"2026-08-27T05:01:13+00:00\",\"author\":{\"@id\":\"https:\/\/cryptonews.uk.com\/#\/schema\/person\/822778c5844e0d16d43dce6630f4f1bf\"},\"breadcrumb\":{\"@id\":\"https:\/\/cryptonews.uk.com\/?p=12438#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/cryptonews.uk.com\/?p=12438\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cryptonews.uk.com\/?p=12438#primaryimage\",\"url\":\"https:\/\/cryptonews.uk.com\/wp-content\/uploads\/2026\/08\/crypto-retire.jpg\",\"contentUrl\":\"https:\/\/cryptonews.uk.com\/wp-content\/uploads\/2026\/08\/crypto-retire.jpg\",\"width\":1920,\"height\":1072},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/cryptonews.uk.com\/?p=12438#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/cryptonews.uk.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Americans Reject Crypto in Retirement Plans as 77% Call It Risky\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/cryptonews.uk.com\/#website\",\"url\":\"https:\/\/cryptonews.uk.com\/\",\"name\":\"Crypto News: Latest Cryptocurrency News and Analysis\",\"description\":\"Latest Crypto & Bitcoin News\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/cryptonews.uk.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/cryptonews.uk.com\/#\/schema\/person\/822778c5844e0d16d43dce6630f4f1bf\",\"name\":\"\u884c\u653f\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cryptonews.uk.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e4c2d23409b09e004cef3facbe677e95c5401f9e29680f3a311e0130c5748089?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e4c2d23409b09e004cef3facbe677e95c5401f9e29680f3a311e0130c5748089?s=96&d=mm&r=g\",\"caption\":\"\u884c\u653f\"},\"sameAs\":[\"http:\/\/demo3.aiwalls.com\/coinbase\"],\"url\":\"https:\/\/cryptonews.uk.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Americans Reject Crypto in Retirement Plans as 77% Call It Risky - Crypto News: Latest Cryptocurrency News and Analysis","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cryptonews.uk.com\/?p=12438","og_locale":"en_US","og_type":"article","og_title":"Americans Reject Crypto in Retirement Plans as 77% Call It Risky","og_description":"80% of Americans say the US faces a retirement crisis, up from 67% in 2020. Inflation, debt and market volatility are making retirement saving harder for millions. Americans are curious about AI for money management but remain wary of financial advice from it. Crypto gets a chilly reception, with 53% opposing it in workplace retirement","og_url":"https:\/\/cryptonews.uk.com\/?p=12438","og_site_name":"Crypto News: Latest Cryptocurrency News and Analysis","article_published_time":"2026-08-27T05:01:13+00:00","author":"\u884c\u653f","twitter_card":"summary_large_image","twitter_misc":{"Written by":"\u884c\u653f","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/cryptonews.uk.com\/?p=12438","url":"https:\/\/cryptonews.uk.com\/?p=12438","name":"Americans Reject Crypto in Retirement Plans as 77% Call It Risky - Crypto News: Latest Cryptocurrency News and Analysis","isPartOf":{"@id":"https:\/\/cryptonews.uk.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/cryptonews.uk.com\/?p=12438#primaryimage"},"image":{"@id":"https:\/\/cryptonews.uk.com\/?p=12438#primaryimage"},"thumbnailUrl":"https:\/\/cryptonews.uk.com\/wp-content\/uploads\/2026\/08\/crypto-retire.jpg","datePublished":"2026-08-27T05:01:13+00:00","author":{"@id":"https:\/\/cryptonews.uk.com\/#\/schema\/person\/822778c5844e0d16d43dce6630f4f1bf"},"breadcrumb":{"@id":"https:\/\/cryptonews.uk.com\/?p=12438#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cryptonews.uk.com\/?p=12438"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cryptonews.uk.com\/?p=12438#primaryimage","url":"https:\/\/cryptonews.uk.com\/wp-content\/uploads\/2026\/08\/crypto-retire.jpg","contentUrl":"https:\/\/cryptonews.uk.com\/wp-content\/uploads\/2026\/08\/crypto-retire.jpg","width":1920,"height":1072},{"@type":"BreadcrumbList","@id":"https:\/\/cryptonews.uk.com\/?p=12438#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cryptonews.uk.com\/"},{"@type":"ListItem","position":2,"name":"Americans Reject Crypto in Retirement Plans as 77% Call It Risky"}]},{"@type":"WebSite","@id":"https:\/\/cryptonews.uk.com\/#website","url":"https:\/\/cryptonews.uk.com\/","name":"Crypto News: Latest Cryptocurrency News and Analysis","description":"Latest Crypto & Bitcoin News","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cryptonews.uk.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/cryptonews.uk.com\/#\/schema\/person\/822778c5844e0d16d43dce6630f4f1bf","name":"\u884c\u653f","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cryptonews.uk.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e4c2d23409b09e004cef3facbe677e95c5401f9e29680f3a311e0130c5748089?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e4c2d23409b09e004cef3facbe677e95c5401f9e29680f3a311e0130c5748089?s=96&d=mm&r=g","caption":"\u884c\u653f"},"sameAs":["http:\/\/demo3.aiwalls.com\/coinbase"],"url":"https:\/\/cryptonews.uk.com\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=\/wp\/v2\/posts\/12438","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12438"}],"version-history":[{"count":0,"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=\/wp\/v2\/posts\/12438\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=\/wp\/v2\/media\/12439"}],"wp:attachment":[{"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cryptonews.uk.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}