币界网报道：The cryptocurrency sector is facing heightened scrutiny as financial advisors and regulators urge caution when including digital assets in retirement portfolios like 401(k) plans. Industry experts describe the crypto market as a "Wild West" environment, citing extreme volatility, regulatory uncertainty, and high-profile collapses like FTX as significant risks for retirement savers. While some private equity firms have begun offering crypto exposure through self-directed IRAs, mainstream financial institutions remain wary. Fidelity Investments, one of the few major providers offering bitcoin in 401(k)s, has seen limited adoption with only 2% of eligible plans opting in. The Department of Labor has warned plan fiduciaries about potential violations of their duties when including high-risk crypto investments. Retirement specialists emphasize that most workers should prioritize traditional diversified portfolios, suggesting crypto allocations, if any, should not exceed 5% of retirement assets. The debate continues as proponents argue blockchain technology represents the future of finance, while critics point to crypto's unproven long-term track record for wealth preservation. This cautious approach reflects broader concerns about protecting retirement savings from speculative assets, especially as regulators worldwide increase oversight of digital asset markets.