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Rita Dfouni
- 27% of adults in the UK are receptive to adding crypto to their retirement savings, with 23% ready to take out pensions for investment.
- The £3.8 trillion pension market in the UK may turn into a significant source of funding for digital assets.
- Concerns about security, regulation, and volatility persist, yet younger investors exhibit the greatest interest.
A new survey conducted by Aviva showed that more than 25% of adults in the UK are willing to incorporate cryptocurrency into their retirement strategies, indicating the possibility for digital assets to seize a portion of the UK’s £3.8 trillion ($5.12 trillion) pension sector. Carried out by Censuswide from June 4–6, the survey involving 2,000 participants revealed that 27% would embrace crypto in their pension funds, and 23% would contemplate pulling out current pension savings to invest in this area.
Growing interest among UK adults
The research emphasized that greater possible returns were the primary motivator for more than 40% of individuals interested in crypto pensions. Almost one in five adults in the UK (approximately 11.6 million individuals) indicated that they have invested in cryptocurrency at some time, with two-thirds of that group still possessing digital assets. Younger adults, especially those aged 25 to 34, emerged as a significant demographic, with nearly 20% acknowledging that they have withdrawn pension funds to invest in crypto, accounting for 8% of all participants who have engaged in this behavior.
Risks remain a concern
Even with the increasing excitement, the survey highlighted a significant level of caution. Respondents highlighted security issues such as hacking and phishing (41%), insufficient regulation and consumer protection (37%), and significant volatility (30%) as their main worries. Curiously, almost a third expressed curiosity in crypto but conceded that they don’t completely grasp the implications of leaving behind traditional pensions, whereas 27% were oblivious to the risks entirely.
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Global context and regulatory landscape
The UK results arrive only weeks after US President Donald Trump issued an executive order permitting cryptocurrencies, such as Bitcoin, in US 401(k) retirement accounts, unlocking access to $9 trillion in assets. In contrast, UK adults now encounter restricted choices for incorporating crypto into their pensions. The government introduced a fresh regulatory framework in May, intending to regulate crypto providers like conventional financial institutions with stringent requirements for transparency and consumer protection.
Nonetheless, obstacles persist within the banking sector: 40% of UK crypto investors surveyed indicated their banks had impeded or postponed transactions to crypto platforms, highlighting the continued reluctance of institutions.
Industry outlook
Michele Golunska, Aviva’s Managing Director of Wealth and Advice, stated that although the allure of crypto is evident, pensions still provide long-term advantages that investors need to consider thoughtfully. One-fifth of adults in the UK are already exploring crypto, while a quarter is contemplating it for retirement, indicating a gradual yet significant change in the relationship between conventional retirement planning and the emerging digital asset market.
