For years, Bitcoin has been treated as a financial outsider — too volatile, too risky, too unconventional for serious long-term portfolios. But that narrative is now under fire.
Bitwise Chief Investment Officer Matt Hougan recently called the idea that Bitcoin should be excluded from 401(k) retirement plans “ridiculous,” pointing out that some traditional stocks swing even more violently than crypto.
“Bitcoin has been less volatile than Nvidia over the past year, yet nobody is banning Nvidia from 401(k)s,” Hougan said.
His comments came as US Senator Elizabeth Warren urged the Securities and Exchange Commission (SEC) to explain how it plans to protect retirement savers if crypto assets are allowed inside 401(k) plans. Warren argues that retirement funds are “lifelines,” not “playgrounds for financial risk.”
But critics say this standard is outdated.
Nvidia’s stock, for example, surged more than 120% in 2025 — a larger swing than Bitcoin’s 65% move during the same period. If volatility is the metric, then many tech stocks should be excluded too.
This debate intensified after former President Donald Trump signed an executive order in August 2025 directing the Labor Department to reassess restrictions on alternative assets in retirement accounts. The result? A neutral stance toward crypto in 401(k)s — no longer discouraged, but not yet fully embraced.
In practice, this signals a shift:
- Crypto is no longer fringe.
- ETFs already provide regulated exposure to Bitcoin and Ethereum.
- Institutions are accumulating BTC as a treasury asset.
- Regulators are being forced to define, not dismiss, digital assets.
Hougan believes crypto in retirement accounts is inevitable.
“These are slow-moving institutions. But eventually, this will be normalized like other assets — and that’s how it should be.”
Whether in 2026 or later, Bitcoin’s path into retirement portfolios reflects a broader transformation: crypto is no longer just for traders. It is becoming part of the global financial architecture.
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