Digital Assets: tokens, coins, crypto assets, and any derivatives thereof Investing in digital assets is high+ risk. They come with a rap sheet! Some experts regard these investments as nothing less than a Ponzi Scheme. A retirement plan is a means to financial security in old age. Investing over the long term by weathering the ups and downs in the market has always been the norm. Managing the risk comes with staying the course. Today, younger employees want access to digital assets in their retirement plan because of its very high reward potential. The goal posts have not moved, but a trip wire has been added to an already mined field. This article references how the USA is now approaching digital asset investments in retirement plans... https://www.cnbc.com/2025/05/28/crypto-in-401k-plans-trump-administration-eases-rules.html
I voted maybe, because I am not against it but also I don't have it in my retirement account right now. I think that something like between 1 - 3% of this very risky class of assets is reasonable in long-term portfolio, but my long term portfolio is small enough that it is tricky to have that granularity and then have to re-balance it etc. If I were to buy it, then it would be something that is not as energy consuming as Bitcoin though. It would probably be some proof of stake coins.
I voted "Never". I'm happy with my retirement plan now. Collecting checks on (1) Military retirement, (2) Social Security, (3) Trucking Company, and (4) Retired Owner of a small business. No need to risk putting investments in Digital Assets that I don't trust.
