OneDigital's Keith Huber Featured in Bloomberg on Crypto 401(k) Challenges

Why Crypto 401(k) Investments Still Pose Major Risks for Employers

OneDigital's expertise in retirement plan strategy is gaining national recognition. In a recent Bloomberg article, "Trump Push for Crypto in 401(k)s Brings Employer Risk," our own Keith Huber, Vice President, Financial Advisor at OneDigital, was featured as a leading voice on the complexities surrounding cryptocurrency investments in workplace retirement plans.

The article explores the Trump administration's reversal of Biden-era guidance that warned against digital currencies in 401(k) portfolios, and Huber's insights provide crucial perspective on the risks and realities facing plan sponsors and participants alike.

Key Insights from OneDigital

• Clear-Eyed Risk Assessment – Huber doesn't mince words when it comes to the volatility of crypto investments, particularly for retirement planning. He highlighted how the "crypto winter" revealed that workers interested in Bitcoin 401(k)s are often "performance chasing"—a strategy most plan sponsors rightfully avoid.

• Real-World Examples – Drawing on current market dynamics, Huber pointed to the $TRUMP coin as a perfect illustration of crypto's inherent risks:

The $TRUMP coin is another fantastic example of exactly what most plan sponsors fear about crypto. It took off when the president announced it and then its value came crashing back to earth.
—Keith Huber, Vice President, Financial Advisor, OneDigital

 

• Forward-Thinking Strategy – Despite the challenges, Huber emphasized OneDigital's commitment to staying on the cutting edge while maintaining prudent investment principles:

We have an incredibly pro-crypto administration. We advise our clients to put together a diversified portfolio built around target date funds, managed accounts, you know? We like to stay on the cutting edge with our clients.
—Keith Huber, Vice President, Financial Advisor, OneDigital

 

Why This Matters for Employers

Huber's analysis comes at a critical time when plan sponsors face increasing litigation risks around investment selection and monitoring. His expertise helps illuminate why employers need to proceed cautiously, even as regulatory barriers are removed. The article underscores that savvy plaintiffs attorneys are already targeting early crypto adopters in 401(k) plans—making expert guidance more valuable than ever.

As the retirement benefits landscape continues to evolve, OneDigital remains at the forefront of helping employers navigate complex regulatory changes while maintaining their fiduciary responsibilities. Looking for more resources to help you prepare? Explore our Financial Academy for expert insights, or connect with an advisor for personalized support.

Read the full Bloomberg article here: Trump Push for Crypto in 401(k)s Brings Employer Risk.

To stay informed about other recent federal actions that may be impacting your business operations, visit the 2025 Federal Updates for Employers hub page.

Investment advice offered through OneDigital Investment Advisors LLC.

All investments are subject to risk of loss, and any investment strategy may lose value. The cryptocurrency commentary is merely opinion, and any referenced performance data is historical.