#CryptoIn401k The inclusion of cryptocurrencies in 401(k) plans is a complex topic. On one hand, advocates argue that it offers diversification and the potential for high returns, especially for young investors with a long-term horizon. The inherent volatility of cryptocurrencies, such as Bitcoin and Ethereum, may smooth out over time, and their "non-correlated" nature with traditional assets could be an advantage.

However, many experts warn of the significant risk. The extreme volatility of cryptocurrencies, the lack of clear regulation, and the absence of "intrinsic value" (they are not backed by tangible assets) make them speculative investments. The U.S. Department of Labor has expressed concerns, urging caution. While gradual adoption is expected, experts advise a limited allocation and a deep understanding of the risks before considering crypto in retirement planning.