BlackRock Proposes 1-2%, Fidelity Suggests 2-5% Bitcoin Inclusion for Retirement Funds

BlackRock has suggested a 1-2% allocation for Bitcoin (BTC) in retirement funds, while Fidelity proposed a range of 2-5%. There are analyses indicating that price fluctuations and the risk of loss at the time of withdrawal for living expenses after retirement should be considered. The pension industry believes that BTC should be utilized in a limited capacity rather than being viewed as a core asset in retirement portfolios. According to a survey by the U.S. Retirement Security Institute, 77% of respondents deemed including cryptocurrencies in workplace retirement plans as risky, with 46% rating it as 'very risky.' BlackRock stated that a 1-2% allocation to BTC could be reasonable for investors who can tolerate risk. Fidelity's analysis in August 2025 indicated that a 2-5% allocation to BTC could increase annual retirement spending capacity by 1-4%. Additionally, they reported that even if the value of BTC were to disappear entirely, the reduction in annual retirement income could be limited to less than 1%. Young investors have time to wait for recovery, but those investing around retirement are more likely to sell assets during downturns. Bill Bengen recommended keeping BTC allocation within 5%, while Ryan Piers advised approaching cryptocurrencies as a replacement for a portion of existing portfolios. Institutional investors are leaning towards indirect investments rather than direct holdings, with CalPERS and CalSTRS opting to invest in cryptocurrency-related companies instead of holding BTC directly.

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