💲 Should You Include Cryptocurrency in 401(k) Investments? (AARP Article)

[Winter2025VA]

FROM THE ARTICLE.

Crypto may be coming to retirement accounts. Think carefully about the pros and cons before investing.

By Chris Taylor, AARP.

*** There are 2 comments on the AARP Website. Stop by to add yours. ***

Published August 07, 2025.

Like them or not, cryptocurrencies such as bitcoin, Litecoin and Ethereum continue to march into the financial mainstream, and the next frontier could be retirement savings.

In late May, the U.S. Department of Labor (DOL) rescinded prior federal guidance that discouraged 401(k) plan providers from offering crypto on their investment menus. While that isn’t necessarily an official stamp of approval — the DOL said it is maintaining a “neutral stance” on adding crypto to retirement plans — it does further open the door for a digital asset option.

USE LINK BELOW TO READ THE ARTICLE.

https://www.aarp.org/money/retirement/crypto-in-401k.html

[Winter2025VA]

Nope, NOT for me!!! Lol, at age 67 I NEED my sleep.

FROM ARTICLE.

➡️[*** Con: It’s volatile!

If you’re looking for an asset class that is very steady and will help you sleep more soundly at night, cryptocurrency might not be for you.

[nctarheel]

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@Winter2025VA wrote:

Nope, NOT for me!!! Lol, at age 67 I NEED my sleep.

FROM ARTICLE.

➡️[*** Con: It’s volatile!

If you’re looking for an asset class that is very steady and will help you sleep more soundly at night, cryptocurrency might not be for you.

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@Winter2025VA,

I have yet to hear anyone explain cryptocurrency to me where I understood it and I listen intently to the financial news networks, read financial newspapers, and read financial magazines. 

I do hear regularly of these currencies being "stolen" from where ever in the WEB O' SPHERE they are kept. 

And, if YOU KNOW WHO is all for it....it has got to be spurious.

Sad thing is the retirement system here just got approval to invest in these kind of investments. That's because our legislators(who are a bunch of YOU KNOW WHOS") approved putting people's retirement at risk like that,

[GailL1]

The actual investor has the final decision  of where their money goes in retirement accounts, especially if it is of their own making.  Even an employer has to offer choices, some more secure than others for the more aggressive among us.  

Crypto is probably a bit over my head since I am so old but it might not be for others who are younger.  I do know a few youngers who think they are rich today and broke the next.  I will say that crypto is real interesting in concept.

I heard Arthur Laffer speak today at the Young Americans Conference.  His take is that when people become disillusioned with the value of the dollar, they will look to other forms of currency to pursue like gold or crypto.

I am sure that most people don’t watch the ebb and flow of the value of the dollar - but it does go up and down - sometimes very rapidly.

[Winter2025VA]

Thanks for stopping by NC @nctarheel !!! I already told my daughter in Florida she NEEDS A BACKUP PLAN for when she "retires" = NO guarantee Retirement Social Security or her 401k will be around. Take care my friend, Nicole!