Bitcoin is up around 100% over the past year, but is it worth adding to your retirement account? What experts say

Does cryptocurrency have a place in your retirement portfolio?

A sizeable portion of Americans think it does. Some 10% of U.S. adults with retirement accounts say they hold at least some crypto therein, according to a recent survey from NerdWallet. Younger investors are even more enthusiastic, with 18% of millennials and 14% Gen Zers reporting a crypto retirement holding.

Depending which digital coins they’ve owned, crypto investors have done well of late. Bitcoin, the world’s largest and most valuable cryptocurrency, currently trades for about $115,600 — a 99% uptick over the past 12 months.

And adding it your retirement portfolio is easier than ever. Some brokerages, such as Fidelity, have begun offering direct cryptocurrency investments in IRA accounts, and others, such as Charles Schwab, offer access to crypto ETFs. Last month, President Donald Trump signed an executive order laying the groundwork to add alternative assets, including crypto, into workplace retirement accounts.

As to whether a crypto holding is a wise or appropriate addition to your retirement savings, financial experts are split — but pretty much all of them acknowledge a certain level of risk.