🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 192 (from laksa012)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa192.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://finance.yahoo.com/news/bitcoin-best-risk-reward-investment-123104596.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://finance.yahoo.com/news/bitcoin-best-risk-reward-investment-123104596.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/finance.yahoo.com\/news\/bitcoin-best-risk-reward-investment-123104596.html","crawl_time":1772752183,"first_indexed_time":1760359409,"http_code":200,"src_unparsed":"com,yahoo!finance,\/news\/bitcoin-best-risk-reward-investment-123104596.html s443","src_root_hash":"3401813433841292792","history_drop_reason":null,"meta_title":"'Bitcoin Is the Best Risk-Reward Investment Right Now.' Nearly 20% of Millennials Are Adding Crypto to Retirement Portfolios","meta_descriptions":["Bitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago. Should cryptocurrency sit next to stocks and bonds in a retirement portfolio? With Bitcoin now trading around $122,000, nearly double where it ..."],"attrs_boilerpipe_text":"Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.\nBitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago.\nShould cryptocurrency sit next to stocks and bonds in a retirement portfolio?\nWith Bitcoin now trading around $122,000, nearly double where it stood a year ago, the answer for many younger Americans is already yes. A NerdWallet survey issued in August found that one in ten U.S. adults with retirement accounts holds crypto.\nAnd among Millennials, the figure jumps to 18%, making digital assets one of the fastest-growing categories inside tax-advantaged accounts.\nDon't Miss:\nAmazon and NVIDIA Partnered With This Robot Chef —\nNow Individual Investors Can Too\nAccredited Investors Can Now Tap Into the\n$36 Trillion Home Equity Market\n— Without Buying a Single Property\nThe shift comes as traditional firms and policymakers open the door wider. Places like\nIRA Financial\nnow let investors buy crypto directly through IRA accounts, and a recent executive order from President Donald Trump cleared the way for alternative assets like Bitcoin inside workplace retirement plans.\nThe enthusiasm isn't universal, though. Advisors are split between those who view crypto as speculative and those who see it as a legitimate hedge or growth driver. But the tone is changing.\n\"You have a lot of tremendously smart investors saying that Bitcoin is the best risk-reward investment right now,\" Joshua Brooks, CFP and founder of Exponential Advisors, told CNBC.\nThe generational divide helps explain why. Investors in their 20s and 30s, still decades from retirement, are more comfortable allocating a small slice of savings to high-volatility assets that could multiply over time. For them, crypto isn't replacing the 401(k); it's modernizing it.\nTrending:\nIf there was a new fund backed by Jeff Bezos offering a\n7-9% target yield with monthly dividends would you invest in it\n?\nAdding digital assets to a retirement strategy used to require workarounds and third-party custodians. Now,\ninvestors can hold cryptocurrency directly through Self-Directed IRAs,\nkeeping full control over trades and tax advantages.\nInvestors can use a\nSelf-Directed IRA, Solo 401(k), or IRAfi Crypto account to buy Bitcoin, Ethereum, and other digital currencies inside a regulated retirement structure\n. Gains grow tax-deferred or tax-free, depending on the account type, and assets are held securely under IRA Financial's custodial oversight.\nMSG_NO_NEWS","attrs_markdown":"SOMETHING\\_WENT\\_WRONG\n\n[SKIP\\_TO\\_NAVIGATION](https:\/\/finance.yahoo.com\/news\/bitcoin-best-risk-reward-investment-123104596.html#navigation-container)  [SKIP\\_NAVIGATION](https:\/\/finance.yahoo.com\/news\/bitcoin-best-risk-reward-investment-123104596.html#nimbus-app)  [SKIP\\_DOCK](https:\/\/finance.yahoo.com\/news\/bitcoin-best-risk-reward-investment-123104596.html#right-rail)\n\n...\n\n[UPGRADE\\_TO\\_PREMIUM](https:\/\/finance.yahoo.com\/about\/plans\/select-plan\/?.done=https%3A%2F%2Ffinance.yahoo.com%2Fnews%2Fbitcoin-best-risk-reward-investment-123104596.html&ncid=_1088_DCM-PARTNER_NATIVE_US_NoTargeting_HeaderEyebrow_YahooFinanceUsers___RightRail_Header-UpgradetoPaidSubscriptionButton__N_)\n\n[![Benzinga](https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/EIJEKhvKRUMCKhtvTWFinA--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTE5NDtoPTQ4\/https:\/\/s.yimg.com\/os\/creatr-uploaded-images\/2020-11\/f4b4e310-2b77-11eb-afee-ca1478f0e9ef)](https:\/\/www.benzinga.com\/ \"Benzinga\")\n\n# 'Bitcoin Is the Best Risk-Reward Investment Right Now.' Nearly 20% of Millennials Are Adding Crypto to Retirement Portfolios\n\nAJ Fabino\n\nOctober 13, 2025\n\n3 MINUTES\\_READ\n\nIN\\_THIS\\_ARTICLE:\n\n*Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.*\n\nBitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago. [Should cryptocurrency sit next to stocks and bonds in a retirement portfolio?](https:\/\/irafinancial.sjv.io\/9Ldgrj)\n\nWith Bitcoin now trading around \\$122,000, nearly double where it stood a year ago, the answer for many younger Americans is already yes. A NerdWallet survey issued in August found that one in ten U.S. adults with retirement accounts holds crypto.\n\nAnd among Millennials, the figure jumps to 18%, making digital assets one of the fastest-growing categories inside tax-advantaged accounts.\n\n**Don't Miss:**\n\n- **Amazon and NVIDIA Partnered With This Robot Chef — [**Now Individual Investors Can Too**](https:\/\/benzingapartners.go2cloud.org\/aff_c?offer_id=639&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084)**\n- **Accredited Investors Can Now Tap Into the [**\\$36 Trillion Home Equity Market**](https:\/\/benzingapartners.go2cloud.org\/aff_c?offer_id=637&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) — Without Buying a Single Property**\n\nThe shift comes as traditional firms and policymakers open the door wider. Places like [IRA Financial](https:\/\/irafinancial.sjv.io\/9Ldgrj) now let investors buy crypto directly through IRA accounts, and a recent executive order from President Donald Trump cleared the way for alternative assets like Bitcoin inside workplace retirement plans.\n\nThe enthusiasm isn't universal, though. Advisors are split between those who view crypto as speculative and those who see it as a legitimate hedge or growth driver. But the tone is changing.\n\n\"You have a lot of tremendously smart investors saying that Bitcoin is the best risk-reward investment right now,\" Joshua Brooks, CFP and founder of Exponential Advisors, told CNBC.\n\nThe generational divide helps explain why. Investors in their 20s and 30s, still decades from retirement, are more comfortable allocating a small slice of savings to high-volatility assets that could multiply over time. For them, crypto isn't replacing the 401(k); it's modernizing it.\n\n**Trending:** **If there was a new fund backed by Jeff Bezos offering a [**7-9% target yield with monthly dividends would you invest in it**](https:\/\/arrivedhomes.go2cloud.org\/aff_c?offer_id=8&aff_id=1006&aff_sub=yahoo)?**\n\n## A New Way to Hold Crypto for the Long Haul\nAdding digital assets to a retirement strategy used to require workarounds and third-party custodians. Now, [investors can hold cryptocurrency directly through Self-Directed IRAs,](https:\/\/irafinancial.sjv.io\/9Ldgrj) keeping full control over trades and tax advantages.\n\nInvestors can use a [Self-Directed IRA, Solo 401(k), or IRAfi Crypto account to buy Bitcoin, Ethereum, and other digital currencies inside a regulated retirement structure](https:\/\/irafinancial.sjv.io\/9Ldgrj). Gains grow tax-deferred or tax-free, depending on the account type, and assets are held securely under IRA Financial's custodial oversight.\n\nSTORY\\_CONTINUES\n\nThe benefits mirror what's driving crypto adoption more broadly (liquidity, growth potential, and inflation resilience) but wrapped inside the protections of a retirement account. Investors choose the coins, timing, and strategy, while [IRA Financial](https:\/\/irafinancial.sjv.io\/9Ldgrj) handles IRS compliance and custody.\n\nAs mainstream firms race to catch up, self-directed platforms are giving investors a head start, combining the freedom of crypto with the discipline of retirement planning.\n\n**Read Next:**\n\n- **Have \\$100k+ to invest? Charlie Munger says that's the toughest milestone — don't stall now. [**Get matched with a fiduciary advisor and keep building**](https:\/\/www.benzinga.com\/money\/wiseradvisor-retirement-planning?utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084)**\n- **Microsoft's Climate Innovation Fund Just Backed This Farmland Manager — [**And Accredited Investors Can Join the Same Fund**](https:\/\/benzingapartners.go2cloud.org\/aff_c?offer_id=621&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084)**\n- Image: Shutterstock\n\nThis article ['Bitcoin Is the Best Risk-Reward Investment Right Now.' Nearly 20% of Millennials Are Adding Crypto to Retirement Portfolios](https:\/\/www.benzinga.com\/markets\/25\/10\/48173084\/bitcoin-is-the-best-risk-reward-investment-right-now-nearly-20-of-millennials-are-adding-crypto-to-r?utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate) originally appeared on [Benzinga.com](https:\/\/www.benzinga.com\/)\n\n[TERMS](https:\/\/guce.yahoo.com\/terms?locale=en-US)  AND [PRIVACY\\_POLICY](https:\/\/guce.yahoo.com\/privacy-policy?locale=en-US)\n\n[Privacy Dashboard](https:\/\/guce.yahoo.com\/privacy-dashboard?locale=en-US)\n\n[More Info](https:\/\/finance.yahoo.com\/more-info)\n## RECOMMENDED\\_STORIES\n\nCOPYRIGHT\n\nABOUT\n\n[DISCLAIMER](https:\/\/help.yahoo.com\/kb\/finance-for-web\/SLN2310.html?locale=en_US) [HELP](https:\/\/help.yahoo.com\/kb\/finance-for-web) [FEEDBACK](https:\/\/yahoo.uservoice.com\/forums\/952723-finance-b3) [SITEMAP](https:\/\/finance.yahoo.com\/sitemap\/) [WHATS\\_NEW](https:\/\/finance.yahoo.com\/about\/whatsnew\/) [ABOUT\\_OUR\\_ADS](https:\/\/policies.oath.com\/us\/en\/oath\/privacy\/adinfo\/index.html)  [PREMIUM\\_PLANS](https:\/\/finance.yahoo.com\/about\/plans\/)\n\n[TERMS](https:\/\/guce.yahoo.com\/terms?locale=en-US)  AND [PRIVACY\\_POLICY](https:\/\/guce.yahoo.com\/privacy-policy?locale=en-US)\n\n[Privacy Dashboard](https:\/\/guce.yahoo.com\/privacy-dashboard?locale=en-US)\n\n[More Info](https:\/\/finance.yahoo.com\/more-info)\n\n- U.S. markets closed\n  \n  US\n  \n  EUROPE\n  \n  ASIA\n  \n  CRYPTOCURRENCIES\n  \n  RATES\n  \n  COMMODITIES\n  \n  CURRENCIES\n  \n  - [S\\&P 500 6,830.71 -38.79 (-0.56%)](https:\/\/finance.yahoo.com\/quote\/%5EGSPC\/)\n  - [Dow 30 47,954.74 -784.67 (-1.61%)](https:\/\/finance.yahoo.com\/quote\/%5EDJI\/)\n  - [Nasdaq 22,748.99 -58.50 (-0.26%)](https:\/\/finance.yahoo.com\/quote\/%5EIXIC\/)\n  - [Russell 2000 2,585.57 -50.44 (-1.91%)](https:\/\/finance.yahoo.com\/quote\/%5ERUT\/)\n  - [VIX 23.75 +2.60 (+12.29%)](https:\/\/finance.yahoo.com\/quote\/%5EVIX\/)\n  - [Gold 5,093.30 +14.60 (+0.29%)](https:\/\/finance.yahoo.com\/quote\/GC%3DF\/)\n- [TRENDING\\_TICKERS](https:\/\/finance.yahoo.com\/trending-tickers)\n  \n  - [MRVL Marvell Technology, Inc. 75.68 -2.41 (-3.09%)](https:\/\/finance.yahoo.com\/quote\/MRVL\/)\n  - [COST Costco Wholesale Corporation 982.57 -24.17 (-2.40%)](https:\/\/finance.yahoo.com\/quote\/COST\/)\n  - [TTD The Trade Desk, Inc. 29.79 +4.62 (+18.36%)](https:\/\/finance.yahoo.com\/quote\/TTD\/)\n  - [GE GE Aerospace 326.99 -12.82 (-3.77%)](https:\/\/finance.yahoo.com\/quote\/GE\/)\n  - [IOT Samsara Inc. 29.58 +0.89 (+3.10%)](https:\/\/finance.yahoo.com\/quote\/IOT\/)\n- [PORTFOLIO](https:\/\/finance.yahoo.com\/portfolios)\n  \n  [PORTFOLIO](https:\/\/finance.yahoo.com\/portfolios)\n  \n  SIGN\\_IN\\_TO\\_VIEW\\_PORTFOLIO\\_PERFORMANCE\n  \n  [SIGN\\_IN](https:\/\/login.yahoo.com\/config\/login?done=https%3A%2F%2Ffinance.yahoo.com%2Fnews%2Fbitcoin-best-risk-reward-investment-123104596.html&intl=us&lang=en-US&activity=dock-portfolio&pspid=1183300100&src=finance)\n- [TOP\\_GAINERS](https:\/\/finance.yahoo.com\/gainers\/)\n  \n  - [SOC Sable Offshore Corp. 13.85 +3.76 (+37.26%)](https:\/\/finance.yahoo.com\/quote\/SOC\/)\n  - [TNGX Tango Therapeutics, Inc. 16.83 +4.48 (+36.28%)](https:\/\/finance.yahoo.com\/quote\/TNGX\/)\n  - [TTD The Trade Desk, Inc. 29.79 +4.62 (+18.36%)](https:\/\/finance.yahoo.com\/quote\/TTD\/)\n  - [EXPE Expedia Group, Inc. 251.54 +30.29 (+13.69%)](https:\/\/finance.yahoo.com\/quote\/EXPE\/)\n  - [UNF UniFirst Corporation 262.76 +31.50 (+13.62%)](https:\/\/finance.yahoo.com\/quote\/UNF\/)\n- [TOP\\_LOSERS](https:\/\/finance.yahoo.com\/losers\/)\n  \n  - [AEO American Eagle Outfitters, Inc. 19.33 -3.12 (-13.90%)](https:\/\/finance.yahoo.com\/quote\/AEO\/)\n  - [HYMC Hycroft Mining Holding Corporation 41.06 -6.60 (-13.86%)](https:\/\/finance.yahoo.com\/quote\/HYMC\/)\n  - [IE Ivanhoe Electric Inc. 13.64 -2.02 (-12.90%)](https:\/\/finance.yahoo.com\/quote\/IE\/)\n  - [CIEN Ciena Corporation 299.30 -44.25 (-12.88%)](https:\/\/finance.yahoo.com\/quote\/CIEN\/)\n  - [IESC IES Holdings, Inc. 426.01 -61.76 (-12.66%)](https:\/\/finance.yahoo.com\/quote\/IESC\/)\n- [MOST\\_ACTIVES\\_MODULE](https:\/\/finance.yahoo.com\/most-active\/)\n  \n  - [NVDA NVIDIA Corporation 183.34 +0.30 (+0.16%)](https:\/\/finance.yahoo.com\/quote\/NVDA\/)\n  - [AAL American Airlines Group Inc. 11.79 -0.67 (-5.38%)](https:\/\/finance.yahoo.com\/quote\/AAL\/)\n  - [PLUG Plug Power Inc. 2.2900 -0.1900 (-7.66%)](https:\/\/finance.yahoo.com\/quote\/PLUG\/)\n  - [ONDS Ondas Inc. 10.49 -0.02 (-0.19%)](https:\/\/finance.yahoo.com\/quote\/ONDS\/)\n  - [TTD The Trade Desk, Inc. 29.79 +4.62 (+18.36%)](https:\/\/finance.yahoo.com\/quote\/TTD\/)\n- [TOP\\_ECONOMIC\\_EVENTS](https:\/\/finance.yahoo.com\/calendar\/economic)\n  \n  [TOP\\_ECONOMIC\\_EVENTS](https:\/\/finance.yahoo.com\/calendar\/economic)\n  \n  ![](https:\/\/s.yimg.com\/cv\/apiv2\/flags\/ca.svg) Canada\n  \n  MODULE\\_CALENDAR\\_EMPTY\\_MSG\n  \n  [MODULE\\_CALENDAR\\_ALL\\_EVENTS\\_MSG](https:\/\/finance.yahoo.com\/calendar\/economic)\n- [TOP\\_EARNINGS\\_EVENTS](https:\/\/finance.yahoo.com\/calendar\/earnings?day=2026-03-05)\n  \n  MY\\_EARNINGS\\_EVENTS\n  \n  TOP\\_EARNINGS\\_EVENTS\n\nEDIT\\_DOCK\n\n[TERMS](https:\/\/guce.yahoo.com\/terms?locale=en-US)  AND [PRIVACY\\_POLICY](https:\/\/guce.yahoo.com\/privacy-policy?locale=en-US)\n\n[Privacy Dashboard](https:\/\/guce.yahoo.com\/privacy-dashboard?locale=en-US)\n\n[AD\\_TERMS](https:\/\/policies.oath.com\/us\/en\/oath\/privacy\/adinfo\/index.html)  [FEEDBACK](https:\/\/yahoo.uservoice.com\/forums\/952723-finance-b3)  [More Info](https:\/\/finance.yahoo.com\/more-info)","attrs_readable_markdown":"*Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.*\n\nBitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago. [Should cryptocurrency sit next to stocks and bonds in a retirement portfolio?](https:\/\/irafinancial.sjv.io\/9Ldgrj)\n\nWith Bitcoin now trading around \\$122,000, nearly double where it stood a year ago, the answer for many younger Americans is already yes. A NerdWallet survey issued in August found that one in ten U.S. adults with retirement accounts holds crypto.\n\nAnd among Millennials, the figure jumps to 18%, making digital assets one of the fastest-growing categories inside tax-advantaged accounts.\n\n**Don't Miss:**\n\n- **Amazon and NVIDIA Partnered With This Robot Chef — [**Now Individual Investors Can Too**](https:\/\/benzingapartners.go2cloud.org\/aff_c?offer_id=639&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084)**\n- **Accredited Investors Can Now Tap Into the [**\\$36 Trillion Home Equity Market**](https:\/\/benzingapartners.go2cloud.org\/aff_c?offer_id=637&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) — Without Buying a Single Property**\n\nThe shift comes as traditional firms and policymakers open the door wider. Places like [IRA Financial](https:\/\/irafinancial.sjv.io\/9Ldgrj) now let investors buy crypto directly through IRA accounts, and a recent executive order from President Donald Trump cleared the way for alternative assets like Bitcoin inside workplace retirement plans.\n\nThe enthusiasm isn't universal, though. Advisors are split between those who view crypto as speculative and those who see it as a legitimate hedge or growth driver. But the tone is changing.\n\n\"You have a lot of tremendously smart investors saying that Bitcoin is the best risk-reward investment right now,\" Joshua Brooks, CFP and founder of Exponential Advisors, told CNBC.\n\nThe generational divide helps explain why. Investors in their 20s and 30s, still decades from retirement, are more comfortable allocating a small slice of savings to high-volatility assets that could multiply over time. For them, crypto isn't replacing the 401(k); it's modernizing it.\n\n**Trending:** **If there was a new fund backed by Jeff Bezos offering a [**7-9% target yield with monthly dividends would you invest in it**](https:\/\/arrivedhomes.go2cloud.org\/aff_c?offer_id=8&aff_id=1006&aff_sub=yahoo)?**\n\nAdding digital assets to a retirement strategy used to require workarounds and third-party custodians. Now, [investors can hold cryptocurrency directly through Self-Directed IRAs,](https:\/\/irafinancial.sjv.io\/9Ldgrj) keeping full control over trades and tax advantages.\n\nInvestors can use a [Self-Directed IRA, Solo 401(k), or IRAfi Crypto account to buy Bitcoin, Ethereum, and other digital currencies inside a regulated retirement structure](https:\/\/irafinancial.sjv.io\/9Ldgrj). Gains grow tax-deferred or tax-free, depending on the account type, and assets are held securely under IRA Financial's custodial oversight.","meta_canonical":null}

3. Robots.txt Check

Query:

Response:

4. Spam/Ban Check

Query:

Response:

5. Seen Status Check

ℹ️ Skipped - page is already crawled

📄

INDEXABLE

✅

CRAWLED

1 month ago

🤖

ROBOTS ALLOWED

Page Info Filters

Filter	Status	Condition	Details
HTTP status	PASS	`download_http_code = 200`	HTTP 200
Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	1.6 months ago (distributed domain, exempt)
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
Canonical	PASS	`meta_canonical IS NULL OR = '' OR = src_unparsed`	Not set

Page Details

Property	Value
URL	https://finance.yahoo.com/news/bitcoin-best-risk-reward-investment-123104596.html
Last Crawled	2026-03-05 23:09:43 (1 month ago)
First Indexed	2025-10-13 12:43:29 (6 months ago)
HTTP Status Code	200
Meta Title	'Bitcoin Is the Best Risk-Reward Investment Right Now.' Nearly 20% of Millennials Are Adding Crypto to Retirement Portfolios
Meta Description	Bitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago. Should cryptocurrency sit next to stocks and bonds in a retirement portfolio? With Bitcoin now trading around $122,000, nearly double where it ...
Meta Canonical	null
Boilerpipe Text	Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Bitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago. Should cryptocurrency sit next to stocks and bonds in a retirement portfolio? With Bitcoin now trading around $122,000, nearly double where it stood a year ago, the answer for many younger Americans is already yes. A NerdWallet survey issued in August found that one in ten U.S. adults with retirement accounts holds crypto. And among Millennials, the figure jumps to 18%, making digital assets one of the fastest-growing categories inside tax-advantaged accounts. Don't Miss: Amazon and NVIDIA Partnered With This Robot Chef — Now Individual Investors Can Too Accredited Investors Can Now Tap Into the $36 Trillion Home Equity Market — Without Buying a Single Property The shift comes as traditional firms and policymakers open the door wider. Places like IRA Financial now let investors buy crypto directly through IRA accounts, and a recent executive order from President Donald Trump cleared the way for alternative assets like Bitcoin inside workplace retirement plans. The enthusiasm isn't universal, though. Advisors are split between those who view crypto as speculative and those who see it as a legitimate hedge or growth driver. But the tone is changing. "You have a lot of tremendously smart investors saying that Bitcoin is the best risk-reward investment right now," Joshua Brooks, CFP and founder of Exponential Advisors, told CNBC. The generational divide helps explain why. Investors in their 20s and 30s, still decades from retirement, are more comfortable allocating a small slice of savings to high-volatility assets that could multiply over time. For them, crypto isn't replacing the 401(k); it's modernizing it. Trending: If there was a new fund backed by Jeff Bezos offering a 7-9% target yield with monthly dividends would you invest in it ? Adding digital assets to a retirement strategy used to require workarounds and third-party custodians. Now, investors can hold cryptocurrency directly through Self-Directed IRAs, keeping full control over trades and tax advantages. Investors can use a Self-Directed IRA, Solo 401(k), or IRAfi Crypto account to buy Bitcoin, Ethereum, and other digital currencies inside a regulated retirement structure . Gains grow tax-deferred or tax-free, depending on the account type, and assets are held securely under IRA Financial's custodial oversight. MSG_NO_NEWS
Markdown	SOMETHING\_WENT\_WRONG [SKIP\_TO\_NAVIGATION](https://finance.yahoo.com/news/bitcoin-best-risk-reward-investment-123104596.html#navigation-container) [SKIP\_NAVIGATION](https://finance.yahoo.com/news/bitcoin-best-risk-reward-investment-123104596.html#nimbus-app) [SKIP\_DOCK](https://finance.yahoo.com/news/bitcoin-best-risk-reward-investment-123104596.html#right-rail) ... [UPGRADE\_TO\_PREMIUM](https://finance.yahoo.com/about/plans/select-plan/?.done=https%3A%2F%2Ffinance.yahoo.com%2Fnews%2Fbitcoin-best-risk-reward-investment-123104596.html&ncid=_1088_DCM-PARTNER_NATIVE_US_NoTargeting_HeaderEyebrow_YahooFinanceUsers___RightRail_Header-UpgradetoPaidSubscriptionButton__N_) [![Benzinga](https://s.yimg.com/ny/api/res/1.2/EIJEKhvKRUMCKhtvTWFinA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTE5NDtoPTQ4/https://s.yimg.com/os/creatr-uploaded-images/2020-11/f4b4e310-2b77-11eb-afee-ca1478f0e9ef)](https://www.benzinga.com/ "Benzinga") # 'Bitcoin Is the Best Risk-Reward Investment Right Now.' Nearly 20% of Millennials Are Adding Crypto to Retirement Portfolios AJ Fabino October 13, 2025 3 MINUTES\_READ IN\_THIS\_ARTICLE: Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Bitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago. [Should cryptocurrency sit next to stocks and bonds in a retirement portfolio?](https://irafinancial.sjv.io/9Ldgrj) With Bitcoin now trading around \$122,000, nearly double where it stood a year ago, the answer for many younger Americans is already yes. A NerdWallet survey issued in August found that one in ten U.S. adults with retirement accounts holds crypto. And among Millennials, the figure jumps to 18%, making digital assets one of the fastest-growing categories inside tax-advantaged accounts. Don't Miss: - Amazon and NVIDIA Partnered With This Robot Chef — [Now Individual Investors Can Too](https://benzingapartners.go2cloud.org/aff_c?offer_id=639&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) - Accredited Investors Can Now Tap Into the [\$36 Trillion Home Equity Market](https://benzingapartners.go2cloud.org/aff_c?offer_id=637&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) — Without Buying a Single Property The shift comes as traditional firms and policymakers open the door wider. Places like [IRA Financial](https://irafinancial.sjv.io/9Ldgrj) now let investors buy crypto directly through IRA accounts, and a recent executive order from President Donald Trump cleared the way for alternative assets like Bitcoin inside workplace retirement plans. The enthusiasm isn't universal, though. Advisors are split between those who view crypto as speculative and those who see it as a legitimate hedge or growth driver. But the tone is changing. "You have a lot of tremendously smart investors saying that Bitcoin is the best risk-reward investment right now," Joshua Brooks, CFP and founder of Exponential Advisors, told CNBC. The generational divide helps explain why. Investors in their 20s and 30s, still decades from retirement, are more comfortable allocating a small slice of savings to high-volatility assets that could multiply over time. For them, crypto isn't replacing the 401(k); it's modernizing it. Trending: If there was a new fund backed by Jeff Bezos offering a [7-9% target yield with monthly dividends would you invest in it](https://arrivedhomes.go2cloud.org/aff_c?offer_id=8&aff_id=1006&aff_sub=yahoo)? ## A New Way to Hold Crypto for the Long Haul Adding digital assets to a retirement strategy used to require workarounds and third-party custodians. Now, [investors can hold cryptocurrency directly through Self-Directed IRAs,](https://irafinancial.sjv.io/9Ldgrj) keeping full control over trades and tax advantages. Investors can use a [Self-Directed IRA, Solo 401(k), or IRAfi Crypto account to buy Bitcoin, Ethereum, and other digital currencies inside a regulated retirement structure](https://irafinancial.sjv.io/9Ldgrj). Gains grow tax-deferred or tax-free, depending on the account type, and assets are held securely under IRA Financial's custodial oversight. STORY\_CONTINUES The benefits mirror what's driving crypto adoption more broadly (liquidity, growth potential, and inflation resilience) but wrapped inside the protections of a retirement account. Investors choose the coins, timing, and strategy, while [IRA Financial](https://irafinancial.sjv.io/9Ldgrj) handles IRS compliance and custody. As mainstream firms race to catch up, self-directed platforms are giving investors a head start, combining the freedom of crypto with the discipline of retirement planning. Read Next: - Have \$100k+ to invest? Charlie Munger says that's the toughest milestone — don't stall now. [Get matched with a fiduciary advisor and keep building](https://www.benzinga.com/money/wiseradvisor-retirement-planning?utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) - Microsoft's Climate Innovation Fund Just Backed This Farmland Manager — [And Accredited Investors Can Join the Same Fund](https://benzingapartners.go2cloud.org/aff_c?offer_id=621&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) - Image: Shutterstock This article ['Bitcoin Is the Best Risk-Reward Investment Right Now.' Nearly 20% of Millennials Are Adding Crypto to Retirement Portfolios](https://www.benzinga.com/markets/25/10/48173084/bitcoin-is-the-best-risk-reward-investment-right-now-nearly-20-of-millennials-are-adding-crypto-to-r?utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate) originally appeared on [Benzinga.com](https://www.benzinga.com/) [TERMS](https://guce.yahoo.com/terms?locale=en-US) AND [PRIVACY\_POLICY](https://guce.yahoo.com/privacy-policy?locale=en-US) [Privacy Dashboard](https://guce.yahoo.com/privacy-dashboard?locale=en-US) [More Info](https://finance.yahoo.com/more-info) ## RECOMMENDED\_STORIES COPYRIGHT ABOUT [DISCLAIMER](https://help.yahoo.com/kb/finance-for-web/SLN2310.html?locale=en_US) [HELP](https://help.yahoo.com/kb/finance-for-web) [FEEDBACK](https://yahoo.uservoice.com/forums/952723-finance-b3) [SITEMAP](https://finance.yahoo.com/sitemap/) [WHATS\_NEW](https://finance.yahoo.com/about/whatsnew/) [ABOUT\_OUR\_ADS](https://policies.oath.com/us/en/oath/privacy/adinfo/index.html) [PREMIUM\_PLANS](https://finance.yahoo.com/about/plans/) [TERMS](https://guce.yahoo.com/terms?locale=en-US) AND [PRIVACY\_POLICY](https://guce.yahoo.com/privacy-policy?locale=en-US) [Privacy Dashboard](https://guce.yahoo.com/privacy-dashboard?locale=en-US) [More Info](https://finance.yahoo.com/more-info) - 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Readable Markdown	Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Bitcoin's run back toward record highs is forcing a question that would've sounded absurd a few years ago. [Should cryptocurrency sit next to stocks and bonds in a retirement portfolio?](https://irafinancial.sjv.io/9Ldgrj) With Bitcoin now trading around \$122,000, nearly double where it stood a year ago, the answer for many younger Americans is already yes. A NerdWallet survey issued in August found that one in ten U.S. adults with retirement accounts holds crypto. And among Millennials, the figure jumps to 18%, making digital assets one of the fastest-growing categories inside tax-advantaged accounts. Don't Miss: - Amazon and NVIDIA Partnered With This Robot Chef — [Now Individual Investors Can Too](https://benzingapartners.go2cloud.org/aff_c?offer_id=639&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) - Accredited Investors Can Now Tap Into the [\$36 Trillion Home Equity Market](https://benzingapartners.go2cloud.org/aff_c?offer_id=637&aff_id=1&utm_campaign=partner_feed&utm_source=yahooFinance&utm_medium=partner_feed&utm_content=real_estate&nid=48173084) — Without Buying a Single Property The shift comes as traditional firms and policymakers open the door wider. Places like [IRA Financial](https://irafinancial.sjv.io/9Ldgrj) now let investors buy crypto directly through IRA accounts, and a recent executive order from President Donald Trump cleared the way for alternative assets like Bitcoin inside workplace retirement plans. The enthusiasm isn't universal, though. Advisors are split between those who view crypto as speculative and those who see it as a legitimate hedge or growth driver. But the tone is changing. "You have a lot of tremendously smart investors saying that Bitcoin is the best risk-reward investment right now," Joshua Brooks, CFP and founder of Exponential Advisors, told CNBC. The generational divide helps explain why. Investors in their 20s and 30s, still decades from retirement, are more comfortable allocating a small slice of savings to high-volatility assets that could multiply over time. For them, crypto isn't replacing the 401(k); it's modernizing it. Trending: If there was a new fund backed by Jeff Bezos offering a [7-9% target yield with monthly dividends would you invest in it](https://arrivedhomes.go2cloud.org/aff_c?offer_id=8&aff_id=1006&aff_sub=yahoo)? Adding digital assets to a retirement strategy used to require workarounds and third-party custodians. Now, [investors can hold cryptocurrency directly through Self-Directed IRAs,](https://irafinancial.sjv.io/9Ldgrj) keeping full control over trades and tax advantages. Investors can use a [Self-Directed IRA, Solo 401(k), or IRAfi Crypto account to buy Bitcoin, Ethereum, and other digital currencies inside a regulated retirement structure](https://irafinancial.sjv.io/9Ldgrj). Gains grow tax-deferred or tax-free, depending on the account type, and assets are held securely under IRA Financial's custodial oversight.
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