Millennials are Adding Crypto to Their Retirement Funds, But They Could Lose it All if the Market Sours. Two Experts Break Down How to Get the Returns, But Without the Risks From Digital Assets Posted byKumutha Ramanathan June 24, 2021 Leave a comment on Millennials are Adding Crypto to Their Retirement Funds, But They Could Lose it All if the Market Sours. Two Experts Break Down How to Get the Returns, But Without the Risks From Digital Assets Retail investment advisors say crypto assets should only be 5% of a highly diversified portfolio.