right.. pensions invest in bonds and insurance products (=slow steady returns... allegedly). Crypto (which I do invest in), is a highly volatile and speculative instrument which may gain or lose value quickly. It's not the type of thing I would invest my 401K in, but with a little bit of money, it's possible to hold it and see what happens. I think the advantage is of this (for the avg retail investor like me) is that it's brand new and wall street hasn't completely sucked the value (volatility?) out of the instrument (yet) so it may be possible to make a little extra with it (assuming it continues to be make progress into the financial infrastructure).