Bitcoin
Bitcoin 401(k) Allocations Face Scrutiny Following 34% Pullback from Record High
As Bitcoin trades roughly 34% below its record peak, retirement savers and employers are evaluating the asset's role in tax-advantaged accounts.
Bitcoin was trading around $82,820, approximately 34% below its record high of $126,080 set on October 6, 2025. While the current level marks a 23% recovery over three months, it remains down 24% over the past year, requiring an estimated 52% gain to retest its previous peak.
The price fluctuation highlights the ongoing debate surrounding digital assets in retirement plans. Under a Labor Department regulatory proposal published on March 31, 401(k) fiduciaries receive liability protections when offering alternative assets if they evaluate six specific criteria, including liquidity, fees, and complexity. However, individual employer committees retain final discretion, and many remain cautious due to legal concerns.
Investors seeking retirement exposure without employer committee approval have increasingly turned to individual retirement accounts holding spot Bitcoin ETFs, such as BlackRock's iShares Bitcoin Trust. Regulatory filings show U.S. spot Bitcoin ETFs held roughly $104 billion in assets as of October 16.
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