Crypto in My 401(k)? In One Way It Makes Sense, But on the Other Hand …

Spoiler alert: If you plan to skip to the bottom of this article to find out whether you should include crypto in your 401(k), you’ll be disappointed. There is no “yes” or “no” answer.  What you invest in your qualified retirement plan depends on your individual circumstances and your comfort with being a risk-taker.

But to get started, consider how you would answer the following three questions:

Is crypto available in my employer’s retirement plan? 

The title to a Shakespeare play may answer this question: .  The likelihood that your employer will offer crypto-based funds in the near future is low. The primary to plan sponsors. In other words, employers using Fidelity funds can (starting later this year) to add a cryptocurrency offering in their 401(k) plans. Specifically, if the plan sponsor chooses, plan participants would be allowed to allocate a portion of their assets to Bitcoin through an option on their 401(k) investment menu.