It sounds like an absolutely terrible idea, people have worked for decades in order to build their sizable pensions and need absolute stability in their old age because they don't have the time (or in many cases health) to earn much more beyond that. They cannot afford to recover if there are any major dips, which is why most retirement pensions being drawn down on are primarily in government bonds - which are fairly low paying but rock solid as assets go. Leave crypto investing for the younger and middle age generations, even when we're only talking about 5% it is too much. They can put their fun money allocation into it, but it goes against all common sense and traditional advice to suggest otherwise.