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If you’ve noticed a new option to buy Bitcoin and other cryptocurrencies inside your workplace retirement plan, you aren’t alone. Following a major shift in Department of Labor oversight, employers are increasingly offering digital tokens in their 401(k) menus, leaving savers with a high-stakes decision to make.

Last spring, the Department of Labor (DOL) made it easier for employers to add cryptocurrency to 401(k) plans, but that doesn’t mean they should. While cryptocurrency has its supporters, including big Wall Street firms such as JPMorgan, Goldman Sachs and Morgan Stanley,…